/* PartD.org design system — healthcare trust palette */
:root {
  --navy: #12395b;
  --navy-dark: #0d2a44;
  --teal: #0e7c86;
  --teal-light: #e6f4f5;
  --amber: #f5a623;
  --amber-dark: #d98a0b;
  --bg: #f7fafc;
  --card: #ffffff;
  --text: #22303f;
  --muted: #5b6b7c;
  --border: #dfe7ee;
  --radius: 12px;
  --maxw: 1080px;
  --font: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font);
  color: var(--text);
  background: var(--bg);
  line-height: 1.65;
  font-size: 17px;
}
a { color: var(--teal); text-decoration: none; }
a:hover { text-decoration: underline; }
img { max-width: 100%; height: auto; }

/* Referral banner bar (mirrors live site partner links) */
.referral-bar {
  display: flex;
  align-items: stretch;
}
.referral-box {
  flex: 1;
  display: flex;
  flex-direction: column;
  justify-content: center;
  align-items: center;
  text-align: center;
  padding: 14px 12px;
  color: #fff;
  line-height: 1.4;
}
.referral-box:hover { text-decoration: none; filter: brightness(1.08); }
.referral-box strong { font-size: 19px; display: block; }
.referral-box span { font-size: 15px; opacity: .95; }
.referral-brokers { background: var(--navy-dark); }
.referral-enroll { background: #2f6fd0; }
@media (max-width: 640px) {
  .referral-box strong { font-size: 16px; }
  .referral-box span { font-size: 13px; }
  .referral-box { padding: 10px 8px; }
}

/* Header */
.site-header {
  background: var(--navy);
  color: #fff;
  position: sticky;
  top: 0;
  z-index: 50;
  box-shadow: 0 2px 12px rgba(13, 42, 68, .25);
}
.header-inner {
  max-width: var(--maxw);
  margin: 0 auto;
  padding: 14px 20px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}
.brand { display: flex; align-items: center; gap: 10px; color: #fff; font-weight: 800; font-size: 1.35rem; }
.brand:hover { text-decoration: none; }
.brand-mark {
  width: 38px; height: 38px; border-radius: 10px;
  background: linear-gradient(135deg, var(--teal), var(--navy-dark));
  display: inline-flex; align-items: center; justify-content: center;
  font-weight: 900; color: #fff; font-size: 1.05rem;
  border: 2px solid rgba(255,255,255,.25);
}
.brand small { display: block; font-size: .68rem; font-weight: 500; color: #bcd3e2; letter-spacing: .04em; }
.main-nav { display: flex; gap: 4px; flex-wrap: wrap; }
.main-nav a {
  color: #dbe7f1; padding: 8px 14px; border-radius: 8px; font-weight: 600; font-size: .95rem;
}
.main-nav a:hover { background: rgba(255,255,255,.12); text-decoration: none; color: #fff; }
.nav-cta {
  background: var(--amber) !important; color: var(--navy-dark) !important; font-weight: 800 !important;
}
.nav-cta:hover { background: var(--amber-dark) !important; color: #fff !important; }

/* Hero */
.hero {
  background: linear-gradient(160deg, var(--navy) 0%, var(--navy-dark) 55%, #0a3f4a 100%);
  color: #fff;
  padding: 64px 20px 72px;
}
.hero-inner { max-width: var(--maxw); margin: 0 auto; }
.hero-eyebrow {
  display: inline-block; background: rgba(245,166,35,.16); color: var(--amber);
  border: 1px solid rgba(245,166,35,.45); border-radius: 999px;
  padding: 6px 16px; font-size: .8rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase;
  margin-bottom: 18px;
}
.hero h1 { font-size: clamp(2rem, 4.5vw, 3.1rem); line-height: 1.15; margin: 0 0 16px; max-width: 18ch; }
.hero p.lead { font-size: 1.15rem; color: #cfe0ee; max-width: 60ch; margin: 0 0 28px; }
.hero-actions { display: flex; gap: 12px; flex-wrap: wrap; }
.btn {
  display: inline-block; padding: 14px 28px; border-radius: 10px;
  font-weight: 800; font-size: 1rem; border: 0; cursor: pointer;
}
.btn-amber { background: var(--amber); color: var(--navy-dark); }
.btn-amber:hover { background: var(--amber-dark); color: #fff; text-decoration: none; }
.btn-ghost { background: rgba(255,255,255,.1); color: #fff; border: 1px solid rgba(255,255,255,.35); }
.btn-ghost:hover { background: rgba(255,255,255,.2); text-decoration: none; }
.hero-stats { display: flex; gap: 36px; margin-top: 36px; flex-wrap: wrap; }
.hero-stats div strong { display: block; font-size: 1.6rem; }
.hero-stats div span { color: #9fb8cd; font-size: .88rem; }

/* Layout */
.container { max-width: var(--maxw); margin: 0 auto; padding: 0 20px; }
.section { padding: 56px 0; }
.section h2 { font-size: 1.9rem; color: var(--navy); margin: 0 0 8px; }
.section .sub { color: var(--muted); margin: 0 0 32px; max-width: 68ch; }

/* Cards */
.card-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(300px, 1fr)); gap: 20px; }
.card {
  background: var(--card); border: 1px solid var(--border); border-radius: var(--radius);
  padding: 26px; display: flex; flex-direction: column; gap: 10px;
  transition: transform .15s ease, box-shadow .15s ease;
}
.card:hover { transform: translateY(-3px); box-shadow: 0 10px 28px rgba(18,57,91,.12); }
.card h3 { margin: 0; font-size: 1.15rem; color: var(--navy); }
.card h3 a { color: var(--navy); }
.card p { margin: 0; color: var(--muted); font-size: .95rem; flex: 1; }
.card .meta { font-size: .8rem; color: var(--muted); }
.card .tag {
  align-self: flex-start; background: var(--teal-light); color: var(--teal);
  font-size: .75rem; font-weight: 700; padding: 3px 10px; border-radius: 999px; text-transform: uppercase; letter-spacing: .05em;
}

/* FAQ accordion */
.faq details {
  background: var(--card); border: 1px solid var(--border); border-radius: var(--radius);
  margin-bottom: 12px; overflow: hidden;
}
.faq summary {
  cursor: pointer; padding: 18px 22px; font-weight: 700; color: var(--navy); font-size: 1.05rem;
  list-style: none; display: flex; justify-content: space-between; align-items: center; gap: 12px;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: "+"; font-size: 1.5rem; color: var(--teal); font-weight: 400; flex-shrink: 0;
  transition: transform .15s ease;
}
.faq details[open] summary::after { transform: rotate(45deg); }
.faq .answer { padding: 0 22px 22px; color: var(--text); }
.faq .answer p { margin: 0 0 12px; }
.faq .answer p:last-child { margin-bottom: 0; }

/* Article */
.article-hero { background: var(--navy); color: #fff; padding: 52px 20px; }
.article-hero .container { max-width: 760px; }
.article-hero h1 { font-size: clamp(1.8rem, 4vw, 2.6rem); line-height: 1.2; margin: 12px 0; }
.article-meta { color: #9fb8cd; font-size: .9rem; display: flex; gap: 16px; flex-wrap: wrap; }
.breadcrumb { font-size: .85rem; color: #9fb8cd; margin-bottom: 8px; }
.breadcrumb a { color: #cfe0ee; }
.article-body { max-width: 760px; margin: 0 auto; padding: 44px 20px; }
.article-body h2 { color: var(--navy); margin-top: 2em; font-size: 1.5rem; }
.article-body h3 { color: var(--navy); margin-top: 1.6em; }
.article-body ul, .article-body ol { padding-left: 1.4em; }
.article-body li { margin-bottom: .5em; }
.article-body blockquote {
  border-left: 4px solid var(--teal); background: var(--teal-light);
  margin: 1.5em 0; padding: 14px 20px; border-radius: 0 8px 8px 0; color: var(--navy);
}
.key-takeaways {
  background: #fffbeF; border: 1px solid #f0d9a8; border-radius: var(--radius);
  padding: 20px 24px; margin: 28px 0;
}
.key-takeaways strong { color: var(--navy); }
.toc { background: var(--card); border: 1px solid var(--border); border-radius: var(--radius); padding: 18px 24px; margin: 24px 0; }
.toc strong { color: var(--navy); }
.toc ul { margin: 8px 0 0; }

/* CTA band */
.cta-band {
  background: linear-gradient(135deg, var(--teal), #0a5a61);
  color: #fff; border-radius: 18px; padding: 44px 36px; margin: 56px 0;
  display: flex; align-items: center; justify-content: space-between; gap: 28px; flex-wrap: wrap;
}
.cta-band h2 { color: #fff; margin: 0 0 8px; font-size: 1.7rem; }
.cta-band p { margin: 0; color: #d7ecee; max-width: 52ch; }

/* Footer */
.site-footer { background: var(--navy-dark); color: #9fb8cd; padding: 48px 20px 28px; margin-top: 40px; }
.footer-inner { max-width: var(--maxw); margin: 0 auto; }
.footer-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 28px; margin-bottom: 32px; }
.footer-grid h4 { color: #fff; margin: 0 0 12px; font-size: 1rem; }
.footer-grid ul { list-style: none; margin: 0; padding: 0; }
.footer-grid li { margin-bottom: 8px; font-size: .92rem; }
.footer-grid a { color: #9fb8cd; }
.disclaimer { font-size: .8rem; border-top: 1px solid rgba(255,255,255,.12); padding-top: 20px; color: #7e93a8; }
.disclaimer p { margin: 0 0 10px; }
.copyright { font-size: .82rem; color: #7e93a8; margin-top: 16px; }

/* Responsive */
@media (max-width: 720px) {
  .main-nav { display: none; }
  .hero { padding: 44px 20px 52px; }
  .section { padding: 40px 0; }
  .cta-band { padding: 32px 24px; }
}

/* Article share, related, nav */
.share-row { margin: 1.5rem 0; padding: 0.8rem 0; border-top: 1px solid #e2e8f0; border-bottom: 1px solid #e2e8f0; font-size: 0.95rem; }
.share-row span { font-weight: bold; margin-right: 8px; }
.share-row a { margin: 0 4px; }
.article-nav { display: flex; justify-content: space-between; gap: 16px; margin: 2rem 0; flex-wrap: wrap; }
.article-nav .prev-next { font-size: 0.95rem; max-width: 45%; }
.related-articles { margin: 2.5rem 0; }
.related-articles h2 { text-align: center; margin-bottom: 1.5rem; }
.brought-to-you { margin-top: 1.5rem; padding: 1rem; background: #f1f5f9; border-radius: 8px; text-align: center; color: #64748b; font-size: 0.9rem; }