:root{--navy:#0B2D50;--teal:#02929B;--teal-d:#036A71;--teal-l:#E4F1F0;--ink:#33475B;--line:#D5DDE0;--bg:#F6F8F7;--card:#fff}
@media (prefers-color-scheme:dark){:root{--navy:#E8EEF2;--teal:#3FB6B0;--teal-d:#7FD3CE;--teal-l:#123536;--ink:#B7C4CE;--line:#2A3B47;--bg:#0E1A23;--card:#14232E}}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--navy);font:17px/1.6 system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif}
a{color:var(--teal-d)}
.wrap{max-width:1040px;margin:0 auto;padding:0 24px}
header.top{display:flex;justify-content:space-between;align-items:center;padding:22px 0;gap:16px;flex-wrap:wrap}
.logo{display:inline-flex;align-items:center;gap:8px;font-size:28px;font-weight:900;text-decoration:none;color:var(--navy);letter-spacing:-.5px}
.logo img{height:44px;width:auto}
.logo b{font-weight:900}.logo span{color:var(--teal)}
nav a{margin-left:20px;text-decoration:none;color:var(--ink);font-size:15px}
nav a:hover{color:var(--teal-d)}
.hero{padding:40px 0 36px;display:grid;grid-template-columns:minmax(0,1.35fr) minmax(0,1fr);gap:32px;align-items:center}
.hero picture{display:block;width:100%;max-width:400px;justify-self:center}.hero .mascot{display:block;width:100%;height:auto}
@media (max-width:760px){.hero{grid-template-columns:1fr}.hero picture{max-width:240px;order:-1}}
.eyebrow{display:inline-block;font-size:13px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--teal-d);background:var(--teal-l);padding:4px 12px;border-radius:999px}
h1{font-size:clamp(34px,6vw,58px);line-height:1.05;margin:18px 0 18px;font-weight:900;letter-spacing:-1px;max-width:820px}
.lead{font-size:clamp(18px,2.4vw,22px);color:var(--ink);max-width:720px;margin:0}
.grid3{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:18px;margin:36px 0}
.card{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:22px}
.card h3{margin:6px 0 6px;font-size:19px}
.card p{margin:0;color:var(--ink);font-size:16px}
.num{font-weight:900;color:var(--teal-d);font-size:15px}
section{padding:28px 0}
h2{font-size:28px;margin:0 0 12px;letter-spacing:-.3px}
.split{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:28px}
@media (max-width:760px){.split{grid-template-columns:1fr}nav a{margin:0 16px 0 0}}
ul.checks{list-style:none;padding:0;margin:0}
ul.checks li{padding:8px 0 8px 30px;position:relative;border-bottom:1px solid var(--line)}
ul.checks li:before{content:"";position:absolute;left:4px;top:15px;width:12px;height:7px;border-left:3px solid var(--teal);border-bottom:3px solid var(--teal);transform:rotate(-45deg)}
.note{background:var(--teal-l);border-radius:14px;padding:20px 22px}
footer{border-top:1px solid var(--line);margin-top:40px;padding:24px 0 40px;color:var(--ink);font-size:14px}
footer a{margin-right:16px}
/* legal pages */
.doc{max-width:760px;padding:24px 0 20px}
.doc h1{font-size:clamp(30px,5vw,42px)}
.doc h2{font-size:22px;margin-top:34px}
.doc p,.doc li{color:var(--ink)}
.doc .meta{color:var(--ink);font-size:15px}
.doc table{border-collapse:collapse;width:100%;font-size:15px;margin:12px 0}
.doc th,.doc td{border:1px solid var(--line);padding:8px 10px;text-align:left;vertical-align:top}
.doc th{background:var(--teal-l)}
.scroll{overflow-x:auto}
.cta{display:inline-block;background:var(--teal-d);color:#fff;font-weight:800;text-decoration:none;padding:14px 26px;border-radius:10px;font-size:18px}
.cta:hover{background:var(--navy)}
@media (prefers-color-scheme:dark){.cta{background:#3FB6B0;color:#0E1A23}}
.cta-note{color:var(--ink);font-size:15px;margin:10px 0 0}
.optout{font:inherit;font-size:15px;font-weight:700;color:var(--navy);background:var(--card);border:2px solid var(--navy);border-radius:8px;padding:6px 14px;min-height:40px;cursor:pointer;margin:4px 6px 4px 0}
.optout:hover{background:var(--teal-l)}
/* three-tab navigation */
nav.tabs{display:flex;gap:4px;align-items:center}
nav.tabs a{margin:0;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}
nav.tabs a:hover{background:var(--teal-l);color:var(--navy)}
nav.tabs a[aria-current=page]{color:var(--navy);box-shadow:inset 0 -3px 0 var(--teal);border-radius:10px 10px 0 0}
nav.tabs a.try{background:var(--teal-d);color:#fff;margin-right:6px;box-shadow:none;border-radius:10px}
nav.tabs a.try:hover{background:var(--navy);color:#fff}
@media (prefers-color-scheme:dark){nav.tabs a.try{background:#3FB6B0;color:#0E1A23}nav.tabs a.try:hover{background:#7FD3CE;color:#0E1A23}}
@media (max-width:560px){header.top{padding:14px 0 6px}nav.tabs{width:100%}nav.tabs a{flex:1;padding:0 6px;font-size:15px}nav.tabs a.try{flex:0 0 auto;padding:0 16px}}
a:focus-visible,summary:focus-visible{outline:3px solid var(--teal);outline-offset:2px;border-radius:6px}
.crumbs{font-size:14px;color:var(--ink);margin:0 0 4px}.crumbs a{color:var(--teal-d)}
/* content pages */
.page{max-width:820px;padding:24px 0 10px}
.page h1{font-size:clamp(32px,5.4vw,48px)}
.page .lead{margin-bottom:8px}
.page h2{font-size:24px;margin-top:8px}
.page p{color:var(--ink)}
section.tight{padding-top:18px}
.muted{color:var(--ink);font-weight:400;font-size:.8em}
.small{font-size:14px}
video{display:block;width:100%;height:auto;aspect-ratio:16/9;border-radius:14px;border:1px solid var(--line);background:#F6F9F8}
ol.steps{list-style:none;padding:0;margin:0;counter-reset:s}
ol.steps li{counter-increment:s;position:relative;padding:4px 0 14px 54px;border-bottom:1px solid var(--line);margin-bottom:14px}
ol.steps li:before{content:counter(s);position:absolute;left:0;top:6px;width:38px;height:38px;border-radius:50%;background:var(--teal-l);color:var(--teal-d);font-weight:900;display:flex;align-items:center;justify-content:center}
ol.steps h3{margin:6px 0 4px;font-size:20px}
ol.steps p{margin:0}
.video-teaser{display:flex;gap:18px;align-items:center;background:var(--card);border:1px solid var(--line);border-radius:14px;padding:12px;text-decoration:none;color:var(--ink);margin-top:6px}
.video-teaser img{width:200px;max-width:40%;height:auto;border-radius:10px;flex:none}
.video-teaser b{color:var(--navy);font-size:18px}
.video-teaser:hover{border-color:var(--teal)}
/* FAQ */
.faq details{border-bottom:1px solid var(--line)}
.faq details:first-of-type{border-top:1px solid var(--line)}
.faq summary{cursor:pointer;list-style:none;position:relative;padding:14px 36px 14px 0;min-height:44px}
.faq summary::-webkit-details-marker{display:none}
.faq summary h3{display:inline;margin:0;font-size:18px;font-weight:700}
.faq summary:after{content:"+";position:absolute;right:8px;top:10px;font-size:24px;line-height:1;color:var(--teal-d)}
.faq details[open] summary:after{content:"\2212"}
.faq details p{margin:0 0 16px;color:var(--ink);max-width:760px}
.faq .more{margin:14px 0 0}
/* about hub */
.hub{margin:14px 0}
a.card{text-decoration:none;color:var(--navy);display:block}
a.card:hover{border-color:var(--teal)}
a.card h3{color:var(--teal-d)}
/* footer */
footer nav{display:flex;flex-wrap:wrap;gap:6px 18px}
footer nav a{margin:0}
footer .fine{margin-top:10px}
.grid4{display:grid;grid-template-columns:repeat(auto-fit,minmax(210px,1fr));gap:16px}
.hub{grid-template-columns:repeat(2,minmax(0,1fr))}
@media (max-width:560px){.hub{grid-template-columns:1fr}}
/* contact form */
.contact-box{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:22px;margin:18px 0}
.contact-form label{display:block;font-weight:700;margin:0 0 14px;color:var(--navy)}
.contact-form .opt{font-weight:400;color:var(--ink)}
.contact-form input,.contact-form select,.contact-form textarea{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:var(--card);color:var(--navy)}
.contact-form textarea{resize:vertical}
.contact-form .send{display:flex;flex-wrap:wrap;align-items:center;gap:12px;margin:6px 0 0}
.contact-form button.cta{border:0;cursor:pointer;font:inherit;font-weight:800;font-size:18px}
.contact-form button.cta:disabled{opacity:.6;cursor:wait}
.copy-email{font:inherit;font-size:14px;font-weight:700;border:2px solid var(--navy);background:var(--card);color:var(--navy);border-radius:8px;padding:4px 10px;cursor:pointer;margin-left:4px}
.sent h2{margin-top:0}
/* 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}
/* guides and the HSA vs PPO calculator (series colors checked for color blindness and contrast in both themes) */
:root{--s1:#2563C9;--s2:#C2571A}
@media (prefers-color-scheme:dark){:root{--s1:#4A8CE0;--s2:#C8763A}}
.page table{border-collapse:collapse;width:100%;font-size:16px;margin:12px 0}
.page th,.page td{border-bottom:1px solid var(--line);padding:9px 10px;text-align:left;vertical-align:top;color:var(--ink)}
.page th{color:var(--navy)}
.page .n{text-align:right;font-variant-numeric:tabular-nums;white-space:nowrap}
.page tr.tot td{font-weight:800;color:var(--navy)}
.page h3{font-size:19px;margin:18px 0 4px}
.page ul li{color:var(--ink);margin:4px 0}
.byline{font-size:15px;color:var(--ink);margin:10px 0 0;max-width:720px}
.formula{font-weight:800;color:var(--navy)!important;background:var(--teal-l);border-radius:10px;padding:12px 16px}
.sources{font-size:15px;padding-left:20px}
.try-note{margin:12px 0 8px}
.calc{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:16px;margin:18px 0 12px}
@media (max-width:640px){.calc{grid-template-columns:1fr}}
.calc fieldset{border:1px solid var(--line);border-radius:14px;padding:14px 18px 4px;margin:0;background:var(--card);min-width:0}
.calc legend{font-weight:800;padding:0 6px;color:var(--navy)}
.calc label,.calc-shared label{display:block;font-weight:700;font-size:15px;margin:0 0 12px;color:var(--navy)}
.calc input,.calc-shared input,.calc-shared select{display:block;width:100%;margin-top:6px;font:inherit;font-weight:400;padding:9px 12px;min-height:44px;border:1px solid #9FB3C4;border-radius:8px;background:var(--card);color:var(--navy)}
.calc input:focus-visible,.calc-shared input:focus-visible,.calc-shared select:focus-visible{outline:3px solid var(--teal);outline-offset:1px}
.calc-shared{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:16px}
.calc-shared .hint{display:block;font-weight:400;font-size:14px;color:var(--ink);margin-top:4px}
.sw{display:inline-block;width:12px;height:12px;border-radius:3px;margin-right:8px;vertical-align:-1px}.sw.s1{background:var(--s1)}.sw.s2{background:var(--s2)}
.verdict{font-size:20px;font-weight:800;color:var(--navy)!important;margin:6px 0 4px}
.legend{display:flex;gap:18px;flex-wrap:wrap;font-size:15px;color:var(--ink)}
.chart{position:relative;margin:8px 0}
.chart svg{display:block;width:100%;height:auto;touch-action:pan-y}
.chart .tip{position:absolute;pointer-events:none;background:var(--card);color:var(--navy);border:1px solid var(--line);border-radius:8px;padding:8px 10px;font-size:14px;box-shadow:0 6px 18px rgba(15,42,68,.15);white-space:nowrap}
.chart .tip div{color:var(--ink)}
@media (max-width:420px){nav.tabs a{white-space:nowrap;font-size:14px;padding:0 4px}nav.tabs a.try{padding:0 12px}}