:root{--navy:#0F2A44;--teal:#0A7C7C;--teal-l:#E4F1F0;--ink:#33475B;--line:#D5DDE0;--bg:#F3F6F5;--orange:#8A4500;--orange-l:#FDF1E3;--red:#B3261E}
*{box-sizing:border-box}
body{margin:0;background:var(--bg);color:var(--navy);font-family:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;font-size:17px;line-height:1.45}
.top{display:flex;justify-content:space-between;align-items:center;padding:20px 48px}
.logo{font-size:28px;font-weight:900;display:flex;align-items:center;gap:10px}.logo img{height:44px;width:auto}.logo b{font-weight:900}.logo span{color:#02929B}
.local-note{font-size:14px;color:var(--ink);background:var(--teal-l);padding:6px 12px;border-radius:999px}
#progress{display:flex;gap:8px;padding:0 48px;max-width:1200px;margin:0 auto 8px}
#progress button{flex:1;border:0;background:none;padding:0;cursor:pointer;text-align:left;font:inherit;color:var(--ink);min-height:44px;min-width:0}
#progress .bar{height:8px;border-radius:4px;background:var(--line);margin-bottom:6px}
#progress .done .bar,#progress .now .bar{background:var(--teal)}
#progress .now{font-weight:700;color:var(--navy)}
main{max-width:1200px;margin:0 auto;padding:16px 48px 32px;outline:none}
h1{font-size:40px;line-height:1.12;font-weight:900;margin:8px 0 12px}
h2{font-size:22px;margin:0 0 10px}
.lead{font-size:20px;color:var(--ink);max-width:820px}
.card{background:#fff;border:1px solid var(--line);border-radius:12px;padding:20px;margin:16px 0}
.grid2{display:grid;grid-template-columns:minmax(0,3fr) minmax(0,2fr);gap:24px}
.row{display:flex;gap:12px;align-items:center;flex-wrap:wrap}
label{display:flex;flex-direction:column;gap:4px;font-size:15px;color:var(--ink)}
input,select{font:inherit;padding:10px 12px;border:1px solid #9FB3C4;border-radius:8px;min-height:44px;background:#fff;color:var(--navy)}
input[type=checkbox]{min-height:0;width:20px;height:20px}
button.btn{font:inherit;font-weight:700;border-radius:8px;padding:12px 22px;min-height:44px;cursor:pointer;border:2px solid var(--navy);background:#fff;color:var(--navy)}
button.primary{background:var(--teal);border-color:var(--teal);color:#fff}
button.danger{border-color:var(--red);color:var(--red)}
button.small{padding:6px 12px;min-height:36px;font-size:15px}
.chips{display:flex;flex-wrap:wrap;gap:8px;margin:8px 0}
.chip{background:var(--teal-l);border-radius:8px;padding:6px 10px;font-size:14px}
.chip button{margin-left:6px;font-size:13px}
table{width:100%;border-collapse:collapse;font-size:15px}
th,td{padding:6px 8px;border-bottom:1px solid var(--line);text-align:left}
td input,td select{min-height:36px;padding:4px 6px;width:100%}
.scroll{overflow-x:auto}
.warn{background:var(--orange-l);color:#5C3B12;border-radius:8px;padding:12px 16px;margin:12px 0}
.err{background:#FBE9E7;color:#7A1710;border-radius:8px;padding:12px 16px;margin:12px 0}
.bignum{font-size:84px;font-weight:900;line-height:1;color:var(--teal)}
.muted{color:var(--ink);font-size:15px}
.tier td:first-child{font-weight:700}
.flag{background:var(--orange-l)}
.ok{color:var(--teal);font-weight:700}
.foot{max-width:1200px;margin:0 auto;padding:8px 48px 40px;font-size:14px;color:var(--ink)}
@media(max-width:800px){.grid2{grid-template-columns:1fr}main,.top,#progress,.foot{padding-left:16px;padding-right:16px}h1{font-size:30px}.bignum{font-size:60px}}
.need{border:2px solid var(--orange);background:var(--orange-l);border-radius:12px;padding:14px;margin:12px 0}
.review table.edit{min-width:1500px}
.review .edit td:nth-child(4){min-width:260px}.review .edit td:nth-child(5){min-width:130px}.review .edit td:nth-child(3){min-width:130px}.review .edit td:nth-child(2){min-width:150px}
.review .edit td:nth-child(n+7) input{min-width:84px}
.card select,.card input:not([type=checkbox]){max-width:100%}
table.landing td,table.landing th{white-space:nowrap}
.card label{max-width:100%;min-width:0}
/* web version */
.top a.logo{color:inherit;text-decoration:none}
.top .right{display:flex;gap:14px;align-items:center;flex-wrap:wrap;justify-content:flex-end}
.top .right a{color:var(--ink);font-size:15px}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);border:0}
.drop{border:2px dashed #9FB3C4;background:#FBFDFD;transition:border-color .15s,background .15s;padding:0}
.drop.over{border-color:var(--teal);background:var(--teal-l)}
.drop.busy{border-style:solid;border-color:var(--teal)}
.drop-inner{display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center;gap:6px;padding:30px 20px 12px;cursor:pointer;color:var(--navy);font-size:17px;min-height:200px}
.drop-inner b{font-size:22px}
.drop-inner .muted{max-width:520px}
.drop-inner:focus-within{outline:3px solid var(--teal);outline-offset:-6px;border-radius:10px}
.drop-icon{width:56px;height:56px;border-radius:50%;background:var(--teal-l);position:relative;margin-bottom:4px}
.drop-icon:before{content:"";position:absolute;left:50%;top:15px;width:3px;height:22px;margin-left:-1.5px;background:var(--teal);border-radius:2px}
.drop-icon:after{content:"";position:absolute;left:50%;top:13px;width:12px;height:12px;margin-left:-7.5px;border-left:3px solid var(--teal);border-top:3px solid var(--teal);transform:rotate(45deg)}
.as-btn{display:inline-block;border:2px solid var(--navy);border-radius:8px;font-weight:700;margin-top:8px;background:#fff;padding:8px 18px;font-size:15px}
.drop [role=status]{text-align:center;margin:0 16px 4px;font-weight:700;color:var(--teal)}
.local-line{text-align:center;margin:0 0 14px;font-size:13px}
.grid2 > .drop{margin-top:16px}
.tiles{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:14px;margin:12px 0}
.tile{background:#fff;border:1px solid var(--line);border-radius:12px;padding:16px 18px}.tile b{display:block;font-size:30px;font-weight:900;margin-top:4px}
table.sp td.n,table.sp th.n,.cmp-t td.n{text-align:right;white-space:nowrap}
.barcell{min-width:180px;white-space:nowrap}.barcell span:last-child{margin-left:8px;font-weight:700}
.bar-h{display:inline-block;height:12px;border-radius:6px;background:var(--teal);vertical-align:middle;max-width:65%}
.cmp h3{margin:0;font-size:20px}.cmp .save{font-weight:900;color:#075b5b;background:var(--teal-l);padding:4px 12px;border-radius:999px}
.cmp-t{margin:10px 0}.cmp-t tr.best td{background:#F2FAF9}.cmp-t td{padding:8px}
.small{font-size:14px}
.steps-list{padding-left:20px;margin:10px 0}.steps-list li{margin:4px 0}
/* answer tabs + month by month (chart colors validated as a set on white: blue / orange / aqua) */
:root{--s-premium:#2a78d6;--s-care:#eb6834;--s-hsa:#1baf7a;--grid:#E6EBED;--axis:#B9C5CC;--muted:#5E6E7C}
.tl-tabs{display:flex;gap:4px;border-bottom:1px solid var(--line);margin:8px 0 18px;overflow-x:auto}
.tl-tabs button{font:inherit;font-weight:600;color:var(--ink);background:none;border:0;border-bottom:3px solid transparent;margin-bottom:-1px;padding:10px 14px;min-height:44px;cursor:pointer;white-space:nowrap}
.tl-tabs button[aria-selected=true]{color:var(--navy);border-bottom-color:var(--teal)}
.tl-tabs button:focus-visible{outline:3px solid var(--teal);outline-offset:-3px;border-radius:6px}
.tl-new{font-size:12px;font-weight:700;color:#075b5b;background:var(--teal-l);border-radius:999px;padding:2px 8px;margin-left:6px;vertical-align:2px}
.linkbtn{font:inherit;font-size:inherit;color:#075b5b;font-weight:700;background:none;border:0;padding:0;text-decoration:underline;cursor:pointer}
.tl-controls{display:flex;flex-wrap:wrap;gap:14px 16px;align-items:flex-end;margin:6px 0 4px}
.tl-ctl{display:flex;flex-direction:column;gap:6px;min-width:0;border:0;padding:0;margin:0;font-size:14px}
.tl-ctl legend,.tl-ctl .lbl{font-size:14px;color:var(--ink);padding:0;margin-bottom:6px}
.tl-ctl legend{float:left;width:100%}.tl-ctl legend + *{clear:both}
.tl-opts{display:flex;flex-wrap:wrap;gap:6px}
.tl .tl-opt{position:relative;display:flex;flex-direction:row;align-items:center;gap:8px;border:1px solid #9FB3C4;border-radius:999px;padding:8px 12px;min-height:40px;font-size:15px;color:var(--navy);cursor:pointer;background:#fff;user-select:none}
.tl .tl-opt input,.tl .tl-seg input{position:absolute;opacity:0;width:1px;height:1px;min-height:0;padding:0;margin:0;border:0}
.tl-opt .tick{width:16px;height:16px;border-radius:4px;border:1.5px solid #9FB3C4;display:inline-block;flex:none;position:relative}
.tl-opt:has(input:checked){border-color:var(--teal);background:var(--teal-l);font-weight:600}
.tl-opt:has(input:checked) .tick{background:var(--teal);border-color:var(--teal)}
.tl-opt:has(input:checked) .tick:after{content:"";position:absolute;left:4.5px;top:1px;width:4px;height:8px;border:solid #fff;border-width:0 2px 2px 0;transform:rotate(45deg)}
.tl-opt:has(input:focus-visible){outline:3px solid var(--teal);outline-offset:2px}
.tl-seg{display:inline-flex;border:1px solid #9FB3C4;border-radius:10px;overflow:hidden;background:#fff}
.tl .tl-seg label{position:relative;flex-direction:row;padding:8px 12px;min-height:40px;align-items:center;font-size:15px;color:var(--navy);cursor:pointer}
.tl-seg label + label{border-left:1px solid #9FB3C4}
.tl-seg label:has(input:checked){background:var(--navy);color:#fff;font-weight:600}
.tl-seg label:has(input:focus-visible){outline:3px solid var(--teal);outline-offset:-3px}
.tl-ctl select{font-size:15px;padding:8px 12px;min-height:40px;border-radius:10px}
.tl-tiles{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:14px;margin:18px 0 4px}
.tl-tile{background:#fff;border:1px solid var(--line);border-radius:12px;padding:16px 18px;min-width:0}
.tl-tile .k{font-size:14px;color:var(--ink)}
.tl-tile .v{display:block;font-size:24px;font-weight:900;line-height:1.2;margin:4px 0 6px}
.tl-tile p{margin:0;font-size:15px;color:var(--ink)}
.tl-when{margin:-4px 0 10px}
.tl-legend{display:flex;flex-wrap:wrap;gap:8px 20px;font-size:14px;color:var(--ink);margin:0 0 6px}
.tl-legend span{display:inline-flex;align-items:center;gap:8px}
.tl-legend .sw{width:14px;height:14px;border-radius:3px;display:inline-block;flex:none}
.tl-legend .lk{width:16px;height:0;border-top:2px solid var(--navy);display:inline-block;flex:none}
.tl-panel{padding:16px 0 6px;border-top:1px solid var(--line)}
.tl-panel:first-child{border-top:0}
.tl-ph{display:flex;justify-content:space-between;align-items:flex-start;gap:6px 20px;flex-wrap:wrap}
.tl-ph h3{margin:0;font-size:19px}
.tl-ph .sub{font-size:14px;color:var(--ink);margin-top:2px}
.tl-badge{color:#075b5b;font-size:12px;font-weight:700;background:var(--teal-l);border-radius:999px;padding:2px 8px;margin-left:8px;vertical-align:2px;white-space:nowrap}
.tl-badge.now{color:var(--navy);background:#E8EDF2}
.tl-stats{display:flex;gap:4px 18px;flex-wrap:wrap;font-size:14px;color:var(--ink);text-align:right;justify-content:flex-end}
.tl-stats b{display:block;color:var(--navy);font-size:18px}
.tl-chart{position:relative;margin-top:6px}
.tl-chart svg{display:block;width:100%;height:auto;overflow:visible}
.tl-chart .band{outline:none}
.tl-chart .band:focus-visible .hl{stroke:var(--teal);stroke-width:2}
#tl-tip{position:fixed;z-index:10;pointer-events:none;background:#fff;border:1px solid rgba(15,42,68,.14);box-shadow:0 8px 24px rgba(15,42,68,.14);border-radius:10px;padding:12px 14px;font-size:14px;min-width:230px;max-width:320px;opacity:0;transition:opacity .08s;left:-999px;top:0}
#tl-tip.on{opacity:1}
#tl-tip .t{font-weight:700;margin-bottom:6px}
#tl-tip .r{display:flex;align-items:center;gap:8px;margin:3px 0}
#tl-tip .r .key{width:12px;height:0;border-top:3px solid;border-radius:2px;flex:none}
#tl-tip .r b{font-variant-numeric:tabular-nums;min-width:72px;text-align:right}
#tl-tip .r span{color:var(--ink)}
#tl-tip .tot{border-top:1px solid var(--line);margin-top:6px;padding-top:6px}
#tl-tip .why{margin-top:8px;padding-top:6px;border-top:1px solid var(--line);color:var(--ink)}
#tl-tip .why div{margin:2px 0}
.tl details summary{cursor:pointer;font-weight:700;min-height:28px}
table.tl-t th,table.tl-t td{text-align:right;white-space:nowrap;font-variant-numeric:tabular-nums}
table.tl-t th:first-child,table.tl-t td:first-child{text-align:left}
table.tl-t thead th{font-size:14px;color:var(--ink);font-weight:600;vertical-align:bottom}
table.tl-t thead tr:first-child th{color:var(--navy);font-weight:700}
table.tl-t tr.sa td{font-weight:700;border-top:2px solid var(--line)}
.tl-notes{font-size:14px;color:var(--ink);margin:8px 0 16px;padding-left:18px}
.tl-notes li{margin:4px 0}
@media(max-width:800px){.tl-stats{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:8px 12px;text-align:left;width:100%;font-size:13px}.tl-stats b{font-size:16px}.tl-tile .v{font-size:21px}}
@media(max-width:800px){#progress button{font-size:0}#progress .now{font-size:13px}}
.feedback{margin:18px 0 12px;font-size:16px}.feedback a{color:#075b5b;font-weight:700}
.usage-note{max-width:1104px;margin:0 auto 12px;display:flex;gap:12px;align-items:center;justify-content:space-between;background:var(--teal-l);border-radius:10px;padding:10px 14px;font-size:15px}
.usage-note[hidden]{display:none}.usage-note p{margin:0}.usage-note a{color:#075b5b;font-weight:700}
@media(max-width:800px){.usage-note{margin:0 16px 12px;flex-direction:column;align-items:flex-start}}
.site-tabs{display:flex;gap:4px;align-items:center}
.site-tabs a{display:inline-flex;align-items:center;justify-content:center;min-height:44px;padding:0 14px;border-radius:10px;font-size:16px;font-weight:600;color:var(--ink);text-decoration:none}
.top .right .site-tabs a{color:var(--ink);font-size:16px}
.site-tabs a:hover{background:var(--teal-l);color:var(--navy)}
.top .right .site-tabs a.try{background:var(--teal);color:#fff;margin-right:6px}
.logo picture{display:flex}
@media(max-width:800px){.top{padding-top:14px;padding-bottom:10px;flex-wrap:wrap;gap:8px}.top .right{width:100%}.top .local-note{display:none}.site-tabs{width:100%}.site-tabs a{flex:1;padding:0 6px;font-size:15px}.site-tabs a.try{flex:0 0 auto;padding:0 16px}}
/* HSA check, plan types, per-employer drop zone */
.drop.compact .drop-inner{min-height:0;padding:18px 16px 6px;font-size:16px}.drop.compact .drop-inner b{font-size:18px}.drop.compact .drop-icon{width:40px;height:40px}
.drop.compact .drop-icon:before{top:9px;height:18px}.drop.compact .drop-icon:after{top:8px}
label.radio{flex-direction:row;align-items:center;gap:10px;font-size:16px;color:var(--navy);min-height:36px}
label.radio input{min-height:0;width:20px;height:20px;flex:none}
.gate fieldset,.fb fieldset{border:0;padding:0;margin:8px 0 12px}
.gate legend,.fb legend{font-weight:700;color:var(--navy);margin-bottom:6px;padding:0}
.gate h2{font-size:20px}
.gate-amounts{border-top:1px solid var(--line);padding-top:10px}
.gate-amounts input{width:150px}
label.pref{align-items:flex-start;padding:8px 0}label.pref input{margin-top:4px}
.pref-note{background:var(--teal-l);border-radius:8px;padding:10px 12px;font-size:15px}
.hsa-status{margin:8px 0 0}
/* feedback dialog */
#feedback-dialog{border:0;border-radius:14px;padding:0;max-width:600px;width:calc(100% - 32px);box-shadow:0 20px 60px rgba(15,42,68,.3);color:var(--navy)}
#feedback-dialog::backdrop{background:rgba(15,42,68,.45)}
.fb,.fb-sent{padding:22px}
.fb-head{display:flex;justify-content:space-between;align-items:center;gap:12px}.fb-head h2{margin:0}
.fb label:not(.radio){margin:10px 0}
.fb textarea{font:inherit;padding:10px 12px;border:1px solid #9FB3C4;border-radius:8px;width:100%;resize:vertical}
.fb input[type=email]{width:100%}
.copy-email{font:inherit;font-size:14px;font-weight:700;border:2px solid var(--navy);background:#fff;border-radius:8px;padding:4px 10px;cursor:pointer;margin-left:4px}
/* shared small dialogs (insurer requests) */
.hp-dialog{border:0;border-radius:14px;padding:22px;max-width:520px;width:calc(100% - 32px);box-shadow:0 20px 60px rgba(15,42,68,.3);color:#0B2D50;background:#fff;font:inherit}
.hp-dialog::backdrop{background:rgba(15,42,68,.45)}
.hp-dialog h2{margin:0;font-size:22px}
.hp-dialog-head{display:flex;justify-content:space-between;align-items:center;gap:12px;margin-bottom:8px}
.hp-dialog p{color:#33475B;margin:8px 0}
.hp-dialog label{display:block;font-weight:700;margin:12px 0 0;font-size:16px;color:#0B2D50}
.hp-dialog input:not([type=checkbox]){display:block;width:100%;margin-top:6px;font:inherit;font-weight:400;padding:10px 12px;min-height:44px;border:1px solid #9FB3C4;border-radius:8px;background:#fff;color:#0B2D50}
.hp-opt{font-weight:400;color:#33475B}.hp-small{font-size:14px}
.hp-send{display:flex;flex-wrap:wrap;align-items:center;gap:12px}
.hp-primary{font:inherit;font-weight:800;background:#036A71;color:#fff;border:0;border-radius:10px;padding:12px 22px;min-height:44px;cursor:pointer}
.hp-primary:disabled{opacity:.6}
.hp-close{font:inherit;font-weight:700;font-size:14px;background:#fff;border:2px solid #0B2D50;color:#0B2D50;border-radius:8px;padding:6px 12px;min-height:36px;cursor:pointer}
.req-btn{display:inline-flex;align-items:center;gap:6px;font:inherit;font-size:14px;font-weight:700;color:#036A71;background:#E4F1F0;border:1px solid transparent;border-radius:999px;padding:6px 12px;min-height:36px;cursor:pointer;white-space:nowrap}
.req-btn:hover{border-color:#036A71}.req-btn svg{width:16px;height:16px;flex:none}
/* the fetching dog in each drop zone */
.drop-inner{gap:4px;padding-top:14px}
.fetch{position:relative;display:block;width:100%;height:132px;overflow:hidden;margin-bottom:2px}
.drop.compact .fetch{height:98px}
.fetch .dog{position:absolute;left:50%;bottom:4px;width:150px;margin-left:-75px}
.drop.compact .fetch .dog{width:112px;margin-left:-56px}
.fetch .gait{position:relative;display:block;width:100%;aspect-ratio:300/237;transform-origin:50% 100%}
.fetch .gait img{position:absolute;inset:0;width:100%;height:100%}
.fetch .tail{transform-origin:18.4% 50.7%}
.fetch .badge{position:absolute;right:-8px;top:-4px;width:34px;height:34px;border-radius:50%;background:var(--teal);box-shadow:0 0 0 3px #fff;transform:scale(0);opacity:0}
.fetch .badge:after{content:"";position:absolute;left:11px;top:8px;width:9px;height:15px;border:solid #fff;border-width:0 4px 4px 0;transform:rotate(45deg)}
.drop[data-phase=error] .fetch .badge{background:#B4561A}
.drop[data-phase=error] .fetch .badge:after{left:15px;top:6px;width:4px;height:13px;border:0;background:#fff;border-radius:2px;transform:none;box-shadow:0 17px 0 -0px #fff}
.fetch .paws{position:absolute;left:0;right:0;bottom:0;height:34px;display:block}
.fetch .paws i{position:absolute;left:calc(4% + var(--i) * 9.6%);bottom:calc(2px + var(--y) * 1px);width:22px;height:22px;opacity:0;transform:rotate(90deg)}
.fetch .paws svg{display:block;width:100%;height:100%;fill:#8A5A2B;opacity:.5}
.say{display:none;flex-direction:column;align-items:center;gap:6px;width:100%}
.drop[data-phase=idle] .say-idle,.drop[data-phase=fetching] .say-fetching,.drop[data-phase=done] .say-done,.drop[data-phase=error] .say-error{display:flex}
.drop.over[data-phase=idle] .say-idle{display:none}.drop.over[data-phase=idle] .say-over{display:flex}
.drop[data-phase=fetching] .drop-inner{cursor:progress}
.say b{font-size:22px}.drop.compact .say b{font-size:18px}
.say-done b,.say-error b{display:inline-flex;align-items:center;gap:8px}
.say .tick{display:inline-block;width:22px;height:22px;border-radius:50%;background:var(--teal);position:relative;flex:none}
.say .tick:after{content:"";position:absolute;left:7px;top:4px;width:6px;height:11px;border:solid #fff;border-width:0 3px 3px 0;transform:rotate(45deg)}
.bar{display:block;width:min(340px,86%);height:10px;border-radius:5px;background:#DCE9E8;overflow:hidden;margin:4px 0}
.bar i{display:block;height:100%;border-radius:5px;background:var(--teal) linear-gradient(90deg,rgba(255,255,255,0) 0,rgba(255,255,255,.35) 50%,rgba(255,255,255,0) 100%) no-repeat;background-size:60% 100%;animation:fetch-shine 1.4s linear var(--since,0s) infinite;transition:width .35s ease}
@keyframes fetch-shine{from{background-position:-120% 0}to{background-position:220% 0}}
.bar.ind i{width:34% !important;animation:fetch-ind 1.3s ease-in-out var(--since,0s) infinite}
.drop .fetch-status{font-weight:600;color:var(--teal);font-size:15px;min-height:1.4em}
/* idle: tail wags, a little breathing; dragging over: excited */
.drop[data-phase=idle] .tail{animation:fetch-wag .34s ease-in-out var(--since) infinite alternate}
.drop[data-phase=idle] .gait{animation:fetch-breathe 2.6s ease-in-out var(--since) infinite}
.drop.over[data-phase=idle] .tail{animation-duration:.16s}
.drop.over[data-phase=idle] .gait{animation:fetch-hop .5s ease-out var(--since) infinite}
/* fetching: walks off with the plan, then paw prints keep sniffing across */
.drop[data-phase=fetching] .dog{animation:fetch-walkoff 1.6s cubic-bezier(.5,0,.75,.4) var(--since) both}
.drop[data-phase=fetching] .gait{animation:fetch-gait .36s linear var(--since) 5}
.drop[data-phase=fetching] .tail{animation:fetch-wag .5s ease-in-out var(--since) infinite alternate}
.drop[data-phase=fetching] .paws i{animation:fetch-paw 2.6s ease-in-out infinite;animation-delay:calc(var(--i) * .2s + .9s + var(--since))}
/* done: runs back in, checkmark pops */
.drop[data-phase=done] .dog,.drop[data-phase=error] .dog{animation:fetch-runin .9s cubic-bezier(.15,.75,.35,1) var(--since) both}
.drop[data-phase=done] .gait,.drop[data-phase=error] .gait{animation:fetch-gait .2s linear var(--since) 4}
.drop[data-phase=done] .tail{animation:fetch-wag .18s ease-in-out var(--since) infinite alternate}
.drop[data-phase=done] .badge,.drop[data-phase=error] .badge{animation:fetch-pop .45s cubic-bezier(.3,1.6,.5,1) calc(var(--since) + .8s) both}
@keyframes fetch-wag{from{transform:rotate(-11deg)}to{transform:rotate(13deg)}}
@keyframes fetch-breathe{0%,100%{transform:translateY(0)}50%{transform:translateY(-2px) scaleY(1.01)}}
@keyframes fetch-hop{0%,100%{transform:translateY(0)}40%{transform:translateY(-9px)}}
@keyframes fetch-gait{0%,50%,100%{transform:translateY(0) rotate(0)}25%{transform:translateY(-5px) rotate(-1.5deg)}75%{transform:translateY(-5px) rotate(1.5deg)}}
@keyframes fetch-walkoff{0%{left:50%}100%{left:calc(100% + 110px)}}
@keyframes fetch-runin{0%{left:-110px}100%{left:50%}}
@keyframes fetch-paw{0%,100%{opacity:0}12%{opacity:1}55%{opacity:.9}80%{opacity:0}}
@keyframes fetch-pop{0%{transform:scale(0);opacity:0}100%{transform:scale(1);opacity:1}}
@keyframes fetch-ind{0%{transform:translateX(-100%)}100%{transform:translateX(300%)}}
@media (prefers-reduced-motion:reduce){
  .drop .fetch .dog,.drop .fetch .gait,.drop .fetch .tail{animation:none !important}
  .drop[data-phase=fetching] .fetch .dog{opacity:.35}
  .drop .fetch .paws i{animation:none !important;opacity:.6}
  .drop[data-phase=done] .badge,.drop[data-phase=error] .badge{animation:none !important;transform:scale(1);opacity:1}
  .bar.ind i{animation:none !important;width:100% !important;opacity:.5}
}
/* direct insurer connection (testing) */
.cx{margin:14px 0 4px;padding:14px 0 2px;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.cx h3{margin:0 0 4px;font-size:18px;display:flex;align-items:center;gap:8px;flex-wrap:wrap}
.cx .pill{font-size:12px;font-weight:700;letter-spacing:.02em;padding:2px 9px;border-radius:999px;background:var(--orange-l);color:var(--orange)}
.cx details{margin:10px 0}
.cx details .row{margin-top:8px}
.cx input[readonly]{background:var(--bg);color:var(--ink)}
.cx-check{font-size:15px;margin:10px 0}
.cx-check.ok{color:var(--teal)}
.cx-check.warn{color:var(--orange);background:var(--orange-l);padding:8px 12px;border-radius:8px}
.cx-on{font-weight:600;color:var(--navy)}
.grid2>*{min-width:0}
.cx select,.cx input{width:100%;min-width:0;max-width:100%}
.cx .row>label{flex:1 1 200px;min-width:0}
.cx-or{font-size:16px;margin:16px 0 0}
/* which year to plan around / which claims to review */
.basis-pick{max-width:640px}
.basis-pick select{width:100%;max-width:100%;min-width:0}
.basis-line{margin:-6px 0 12px;color:var(--ink);font-size:16px}
.basis-card{padding:14px 20px}
.cx-consent{flex-direction:row;align-items:flex-start;gap:10px;margin:12px 0 6px;font-size:15px;color:var(--ink);background:var(--teal-l);padding:10px 12px;border-radius:8px}
.cx-consent input{margin-top:3px;flex:none;width:18px;height:18px}
.pc-open{border:2px solid var(--orange)}
.pc select{max-width:100%}
/* Check a bill */
.bill-tool summary{cursor:pointer;display:flex;flex-direction:column;gap:2px;list-style:none}
.bill-tool summary::-webkit-details-marker{display:none}
.bill-tool summary b::before{content:"▸ ";color:var(--teal)}
.bill-tool[open] summary b::before{content:"▾ "}
.bill-tool .bill-body{margin-top:12px}
.bill-tool .row label{flex:1 1 220px;min-width:0}
.bill-tool select,.bill-tool input{max-width:100%}
.bill-res{margin:12px 0}
.bill-res ul{margin:8px 0 0 18px;padding:0}
.ok-box{background:var(--teal-l);color:var(--navy);border-radius:8px;padding:12px 16px}
.letter{display:block;margin-top:8px}
.letter textarea{width:100%;box-sizing:border-box;font:inherit;font-size:14px;line-height:1.45;padding:10px;border:1px solid var(--line);border-radius:8px}
.chip.warn-chip{background:var(--orange-l);color:var(--orange)}
.noticed{list-style:none;margin:8px 0 0;padding:0}
.noticed li{display:flex;flex-wrap:wrap;gap:8px 16px;align-items:center;justify-content:space-between;padding:10px 0;border-top:1px solid var(--line)}
.noticed li>div{min-width:0;flex:1 1 220px}

/* Checks on a guide as read, with the guide's own line and boxes to fix a number */
.checks ul { margin: 6px 0 4px; padding-left: 20px; }
.checks li { margin: 8px 0; }
.checks .quote { display: inline-block; margin-top: 2px; color: var(--muted, #5E6E7C); font-size: 0.92em; }
.checks .fix { margin: 6px 0 0; gap: 10px; }
.checks .fix label { min-width: 150px; }
/* A guide HerePup couldn't read: the page that most likely holds the plans */
.miss { border-color: var(--teal); }
.miss-page { margin: 10px 0; max-height: 70vh; overflow: auto; border: 1px solid var(--line); border-radius: 8px; background: #fff; }
.miss-page img { display: block; width: 100%; height: auto; }
.miss-page p { padding: 16px; margin: 0; }
/* expecting a baby (What if) */
.check-row{flex-direction:row;align-items:center;gap:8px;margin-top:10px}
.exp{border-top:1px solid var(--line);margin-top:16px;padding-top:12px;display:flex;flex-direction:column;gap:10px}
.exp .check-row{margin-top:0;font-weight:700;color:var(--navy)}
.exp-fields{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:10px}
.exp-fields select{width:100%;min-width:0}
.ticks{display:flex;justify-content:space-between;font-size:13px;color:var(--ink);margin-top:-8px}
.exp .need{margin:0}
.exp-start .check-row{margin-top:0;font-size:17px;color:var(--navy)}
.exp-card h3{font-size:18px;margin:16px 0 6px}
.exp-card ul{padding-left:20px}
.pick-tag{font-size:12px;font-weight:700;background:var(--teal-l);color:var(--navy);padding:1px 7px;border-radius:999px;white-space:nowrap}
/* spouse surcharge and opt-out pay (plan step) */
.rules-card summary{cursor:pointer;display:flex;flex-direction:column;gap:2px;min-height:44px;justify-content:center}
.rules-card h3{font-size:17px;margin:16px 0 6px}
.rules-card .gate-q{margin-top:10px}
/* PupPair teaser (the tool itself is in the PupPen, for members) */
.pair-teaser{border:2px dashed var(--teal)}
.pair-teaser h2{margin:6px 0 4px}