:root{
  --ink:#102033;--ink-2:#203249;--muted:#64748b;--line:#dde5ec;--paper:#ffffff;--soft:#f3f7f5;
  --brand:#22a66f;--brand-dark:#167954;--brand-pale:#dff6eb;--sun:#f5b83b;--navy:#0b1b2b;
  --radius:18px;--radius-sm:12px;--shadow:0 18px 50px rgba(16,32,51,.10);--max:1180px;
}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);background:var(--paper);font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;line-height:1.6;-webkit-font-smoothing:antialiased}a{color:inherit;text-decoration:none}img{max-width:100%;height:auto}.container{width:min(var(--max),calc(100% - 40px));margin-inline:auto}.sr-only,.screen-reader-text{position:absolute!important;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}.skip-link{position:absolute;left:16px;top:-100px;background:#fff;padding:10px 14px;z-index:999}.skip-link:focus{top:16px}.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.94);backdrop-filter:blur(14px);border-bottom:1px solid rgba(221,229,236,.85)}.header-inner{height:78px;display:flex;align-items:center;gap:28px}.hmsa-logo{display:inline-flex;align-items:center;gap:10px;font-weight:850;letter-spacing:-.04em;font-size:23px;white-space:nowrap}.hmsa-logo__mark{display:grid;place-items:center;width:34px;height:34px;border-radius:10px;background:var(--brand);color:#fff;font-weight:900;letter-spacing:-.06em}.hmsa-logo__text span{color:var(--brand);margin-left:.12em}.hmsa-logo--inverse{color:#fff}.primary-nav{margin-left:auto}.primary-nav ul{display:flex;gap:24px;align-items:center;list-style:none;margin:0;padding:0}.primary-nav a{font-size:14px;font-weight:700;color:var(--ink-2)}.primary-nav a:hover{color:var(--brand-dark)}.menu-toggle{display:none}.btn{display:inline-flex;align-items:center;justify-content:center;border:0;border-radius:12px;padding:14px 20px;font-weight:800;font-size:15px;cursor:pointer;transition:.2s ease}.btn:hover{transform:translateY(-1px)}.btn--primary{background:var(--brand);color:white;box-shadow:0 8px 22px rgba(34,166,111,.22)}.btn--primary:hover{background:var(--brand-dark)}.btn--dark{background:var(--navy);color:#fff}.btn--small{padding:10px 15px;font-size:13px}.btn--block{width:100%}.hero{padding:74px 0 68px;background:radial-gradient(circle at 85% 20%,rgba(34,166,111,.13),transparent 30%),linear-gradient(180deg,#fff 0%,#f8fbfa 100%);overflow:hidden}.hero-grid{display:grid;grid-template-columns:1.25fr .75fr;gap:70px;align-items:center}.eyebrow{display:inline-block;color:var(--brand-dark);font-size:12px;font-weight:900;letter-spacing:.12em;text-transform:uppercase;margin-bottom:12px}.hero h1,.page-hero h1,.guide-hero h1{font-size:clamp(42px,5.2vw,74px);line-height:1.02;letter-spacing:-.055em;margin:0 0 22px;max-width:880px}.hero h1 span{color:var(--brand)}.hero-lead{font-size:20px;line-height:1.55;color:var(--muted);max-width:720px}.hero-search{display:flex;gap:10px;background:#fff;border:1px solid var(--line);padding:8px;border-radius:16px;box-shadow:var(--shadow);margin-top:30px;max-width:780px}.hero-search input{flex:1;border:0;outline:0;padding:12px 14px;font-size:16px;min-width:0}.trust-row{display:flex;gap:24px;margin-top:20px;color:var(--muted);font-size:13px;font-weight:700}.trust-row span:before{content:'✓';color:var(--brand);margin-right:7px}.hero-tool-card{background:#fff;border:1px solid var(--line);border-radius:24px;padding:28px;box-shadow:0 28px 70px rgba(16,32,51,.13);transform:rotate(1deg)}.hero-tool-card h2{font-size:30px;letter-spacing:-.035em;margin:20px 0 10px}.hero-tool-card p{color:var(--muted)}.mini-card__top{display:flex;justify-content:space-between;font-size:12px;color:var(--muted)}.mini-badge{background:var(--brand-pale);color:var(--brand-dark);font-weight:900;padding:5px 9px;border-radius:999px}.meter{height:9px;background:#e9eef1;border-radius:999px;margin:26px 0 20px;overflow:hidden}.meter span{height:100%;display:block;background:var(--brand);border-radius:999px}.mini-stats{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-bottom:22px}.mini-stats div{background:var(--soft);padding:14px;border-radius:12px}.mini-stats small{display:block;color:var(--muted)}.mini-stats strong{font-size:16px}.section{padding:80px 0}.section--tight{padding:62px 0}.section--soft{background:var(--soft)}.section--dark{background:var(--navy);color:#fff}.section-heading{display:flex;align-items:end;justify-content:space-between;gap:24px;margin-bottom:30px}.section-heading h2{font-size:clamp(30px,3.5vw,48px);line-height:1.1;letter-spacing:-.045em;margin:0}.section-heading>a{color:var(--brand-dark);font-weight:850}.section-heading--light>a{color:#81e0b8}.category-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}.category-card{display:grid;grid-template-columns:auto 1fr auto;align-items:center;gap:18px;border:1px solid var(--line);padding:22px;border-radius:16px;background:#fff;transition:.2s}.category-card:hover{border-color:#a9d8c4;transform:translateY(-2px);box-shadow:0 14px 34px rgba(16,32,51,.08)}.category-card h3{margin:0;font-size:19px}.category-card p{margin:4px 0 0;color:var(--muted);font-size:14px}.category-icon{display:grid;place-items:center;width:46px;height:46px;border-radius:13px;background:var(--brand-pale);color:var(--brand-dark);font-size:20px;font-weight:900}.arrow{font-size:22px;color:var(--brand)}.tool-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.tool-card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:24px;display:flex;flex-direction:column;min-height:250px}.tool-card__icon{width:48px;height:48px;border-radius:14px;background:var(--brand-pale);display:grid;place-items:center;color:var(--brand-dark);font-weight:900}.tool-card h3{font-size:21px;margin:20px 0 8px;letter-spacing:-.02em}.tool-card p{color:var(--muted);margin:0 0 20px}.tool-card a{margin-top:auto;color:var(--brand-dark);font-weight:850}.split-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:70px;align-items:start}.split-grid h2{font-size:clamp(34px,4vw,54px);line-height:1.08;letter-spacing:-.045em;margin:0 0 22px}.large-copy{font-size:19px;color:var(--muted)}.check-list{list-style:none;padding:0;margin:26px 0 0;display:grid;grid-template-columns:1fr 1fr;gap:12px}.check-list li:before{content:'✓';display:inline-grid;place-items:center;background:var(--brand-pale);color:var(--brand-dark);border-radius:50%;width:24px;height:24px;margin-right:9px;font-weight:900}.quote-card,.sticky-card{background:var(--navy);color:#fff;border-radius:24px;padding:32px}.quote-card h3,.sticky-card h2{font-size:31px;line-height:1.15;letter-spacing:-.035em;margin:6px 0 14px}.quote-card p,.sticky-card p{color:#c4ced8}.quote-card small{display:block;color:#9aaaba;margin-top:14px}.post-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.post-card{border:1px solid #26384c;background:#102235;border-radius:18px;padding:24px}.post-card__meta{color:#80cfa9;font-size:12px;font-weight:850;text-transform:uppercase;letter-spacing:.08em}.post-card h3,.post-card h2{font-size:21px;line-height:1.25;margin:13px 0 9px}.post-card p{color:#abb8c5;font-size:14px}.post-card .text-link{color:#81e0b8;font-weight:850}.post-card--light{background:#fff;border-color:var(--line);color:var(--ink)}.post-card--light p{color:var(--muted)}.post-card--light .text-link{color:var(--brand-dark)}.newsletter-section{padding-top:40px}.newsletter-card{display:grid;grid-template-columns:1.1fr .9fr;gap:50px;align-items:center;background:#f2fbf6;border:1px solid #c9ebda;border-radius:24px;padding:42px}.newsletter-card h2{font-size:35px;letter-spacing:-.04em;margin:0 0 8px}.hmsa-inline-form{display:flex;gap:9px}.hmsa-inline-form input{flex:1;padding:14px;border:1px solid #cbd5df;border-radius:11px}.site-footer{background:#08131f;color:#d8e1e9;padding:64px 0 24px}.footer-grid{display:grid;grid-template-columns:1.5fr .7fr .8fr;gap:60px}.footer-copy{color:#8fa0b2;max-width:380px}.footer-heading{font-size:13px;text-transform:uppercase;letter-spacing:.1em;margin:0 0 18px;color:#fff}.site-footer ul{list-style:none;margin:0;padding:0}.site-footer li{margin:9px 0}.site-footer a:not(.hmsa-logo){color:#a9b7c6;font-size:14px}.footer-bottom{border-top:1px solid #1e2b39;margin-top:48px;padding-top:20px;display:flex;justify-content:space-between;gap:20px;color:#718397;font-size:12px}.page-hero,.guide-hero{padding:66px 0;background:linear-gradient(180deg,#f5faf7 0%,#fff 100%);border-bottom:1px solid var(--line)}.page-hero p,.guide-summary{font-size:19px;color:var(--muted);max-width:760px}.guide-hero h1{font-size:clamp(38px,4.7vw,64px)}.breadcrumbs{font-size:12px;color:var(--muted);margin-bottom:24px}.price-band{display:flex;justify-content:space-between;gap:30px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:18px;padding:22px 24px;margin-top:30px;max-width:880px;box-shadow:0 10px 32px rgba(16,32,51,.06)}.price-band small{display:block;color:var(--muted);font-weight:750}.price-band strong{display:block;font-size:29px;letter-spacing:-.03em}.price-band span{color:var(--muted);font-size:13px}.price-band__note{display:flex;align-items:center;gap:12px;max-width:300px}.price-band__note>span{display:grid;place-items:center;width:34px;height:34px;border-radius:50%;background:var(--brand-pale);color:var(--brand-dark);font-weight:900;flex:0 0 auto}.price-band__note p{font-size:13px;color:var(--muted);margin:0}.guide-meta{display:flex;gap:24px;font-size:12px;color:var(--muted);margin-top:18px}.article-layout{display:grid;grid-template-columns:minmax(0,760px) minmax(280px,1fr);gap:60px;padding-top:60px;padding-bottom:80px}.prose{font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;font-size:17px;color:#27384b;line-height:1.75}.prose>*{max-width:760px}.prose h2,.prose h3,.prose h4{font-family:Inter,ui-sans-serif,system-ui,sans-serif;color:var(--ink);letter-spacing:-.035em;line-height:1.2}.prose h2{font-size:34px;margin-top:2em}.prose h3{font-size:25px;margin-top:1.6em}.prose a{color:var(--brand-dark);text-decoration:underline}.prose a.btn{color:#fff;text-decoration:none}.prose table{width:100%;border-collapse:collapse;font-family:Inter,ui-sans-serif,system-ui,sans-serif;font-size:14px}.prose th,.prose td{border-bottom:1px solid var(--line);padding:12px;text-align:left}.prose th{background:var(--soft)}.prose--page{max-width:900px}.article-sidebar{position:relative}.sticky-card{position:sticky;top:104px}.hmsa-form{display:grid;gap:10px}.hmsa-form input,.hmsa-form select,.hmsa-form textarea{width:100%;border:1px solid #cbd5df;background:#fff;color:var(--ink);border-radius:10px;padding:12px;font:inherit}.hmsa-form label{font-size:12px;font-weight:800;color:inherit}.sticky-card .hmsa-form label{color:#d9e2ea}.hmsa-form__row{display:grid;grid-template-columns:1fr 1fr;gap:10px}.hmsa-form__status{font-size:12px;margin-top:8px}.hmsa-tool{border:1px solid var(--line);border-radius:20px;padding:26px;background:#fff;box-shadow:0 12px 35px rgba(16,32,51,.06);font-family:Inter,ui-sans-serif,system-ui,sans-serif}.hmsa-tool h2{margin-top:0!important}.hmsa-tool__fields{display:grid;grid-template-columns:1fr 1fr;gap:14px}.hmsa-tool__field label{display:block;font-size:12px;font-weight:850;margin-bottom:6px}.hmsa-tool__field input,.hmsa-tool__field select{width:100%;padding:13px;border:1px solid var(--line);border-radius:10px}.hmsa-tool__result{margin-top:20px;background:var(--soft);padding:20px;border-radius:14px}.hmsa-tool__result strong{font-size:28px;display:block}.related-guides{margin-top:60px;border-top:1px solid var(--line);padding-top:30px}.error-page{text-align:center;max-width:680px;padding:90px 0}.error-page h1{font-size:52px;letter-spacing:-.05em}.error-page .search-form{display:flex;gap:8px}.error-page .search-field{flex:1;padding:14px;border:1px solid var(--line);border-radius:10px}.error-page .search-submit{border:0;background:var(--brand);color:#fff;border-radius:10px;padding:12px 18px;font-weight:800}
@media(max-width:900px){.header-cta{display:none}.menu-toggle{display:block;margin-left:auto;background:transparent;border:1px solid var(--line);padding:8px 10px;border-radius:9px}.primary-nav{display:none;position:absolute;left:20px;right:20px;top:70px;background:#fff;border:1px solid var(--line);border-radius:14px;padding:12px;box-shadow:var(--shadow)}.primary-nav.is-open{display:block}.primary-nav ul{display:block}.primary-nav li{margin:4px 0}.primary-nav a{display:block;padding:10px}.hero{padding-top:48px}.hero-grid,.split-grid,.newsletter-card,.article-layout{grid-template-columns:1fr}.hero-tool-card{transform:none;max-width:580px}.tool-grid,.post-grid{grid-template-columns:repeat(2,1fr)}.article-sidebar{order:-1}.sticky-card{position:static}.footer-grid{grid-template-columns:1fr 1fr}.footer-grid>div:first-child{grid-column:1/-1}.price-band{align-items:flex-start;flex-direction:column}.newsletter-card{gap:24px}}
@media(max-width:620px){.container{width:min(var(--max),calc(100% - 28px))}.hero h1{font-size:43px}.hero-search{display:grid}.trust-row{display:grid;gap:7px}.category-grid,.tool-grid,.post-grid,.check-list,.hmsa-tool__fields,.hmsa-form__row{grid-template-columns:1fr}.section{padding:58px 0}.section-heading{align-items:flex-start;flex-direction:column}.footer-grid{grid-template-columns:1fr}.footer-grid>div:first-child{grid-column:auto}.footer-bottom{flex-direction:column}.newsletter-card{padding:28px}.hmsa-inline-form{display:grid}.guide-meta{flex-direction:column;gap:5px}.price-band strong{font-size:24px}}

/* Final SVG logo: vector geometry only. */
.hmsa-logo{display:inline-flex;align-items:center;line-height:1;white-space:nowrap}
.hmsa-logo__image{display:block;width:226px;height:auto;max-width:100%}
@media (max-width:640px){.hmsa-logo__image{width:205px}}

/* HowMuchSA 0.2 polish */
.category-icon svg{width:23px;height:23px;fill:none;stroke:currentColor;stroke-width:1.9;stroke-linecap:round;stroke-linejoin:round}.hero-search datalist{display:none}.search-results-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.search-result-card{border:1px solid var(--line);border-radius:18px;background:#fff;padding:24px;display:flex;flex-direction:column;min-height:210px}.search-result-card__type{font-size:11px;text-transform:uppercase;letter-spacing:.08em;color:var(--brand-dark);font-weight:850}.search-result-card h2{font-size:22px;line-height:1.2;margin:12px 0 8px}.search-result-card p{color:var(--muted);margin:0 0 18px}.search-result-card a{margin-top:auto;color:var(--brand-dark);font-weight:850}.search-empty{max-width:700px}.search-empty .hero-search{margin-top:22px}@media(max-width:900px){.search-results-grid{grid-template-columns:repeat(2,1fr)}}@media(max-width:620px){.search-results-grid{grid-template-columns:1fr}}

/* v0.3 calculator-page polish */
.page-hero--tool{padding:52px 0 48px}
.page-hero--tool h1{font-size:clamp(42px,4.8vw,68px)}
.section--tool{padding:48px 0 72px}
.article-layout--tool{padding-top:0;padding-bottom:0;align-items:start}
.quote-privacy{display:block;color:#92a6b8;margin-top:12px;font-size:11px;line-height:1.45}
#how-it-works{scroll-margin-top:92px}
@media(max-width:900px){
  .page-hero--tool{padding:38px 0 34px}
  .section--tool{padding:32px 0 56px}
  .article-layout--tool .article-sidebar{order:2}
}

/* v0.4 provider-routing and article polish */
.prose p,.prose li{max-width:72ch}.prose li+li{margin-top:.28em}.prose table{margin:24px 0 10px}.prose h2{margin-bottom:.65em}.hmsa-form__status:not(:empty){padding:9px 11px;border-radius:9px;background:rgba(223,246,235,.12);color:#d9f7e9}.sticky-card .hmsa-form__status:not(:empty){border:1px solid rgba(129,224,184,.22)}


/* Search demand capture */
.search-fallback{display:grid;grid-template-columns:minmax(0,.9fr) minmax(420px,1.1fr);gap:54px;align-items:start;max-width:1040px;margin-inline:auto}.search-fallback__intro h2{font-size:clamp(34px,4vw,52px);line-height:1.08;letter-spacing:-.045em;margin:0 0 18px}.search-fallback__intro>p{font-size:18px;color:var(--muted);max-width:58ch}.search-fallback__benefits{list-style:none;padding:0;margin:26px 0 0;display:grid;gap:12px;font-weight:750}.search-fallback__benefits li:before{content:'✓';display:inline-grid;place-items:center;width:25px;height:25px;margin-right:10px;border-radius:50%;background:var(--brand-pale);color:var(--brand-dark);font-weight:900}.search-fallback__card{background:var(--navy);color:#fff;border-radius:24px;padding:30px;box-shadow:var(--shadow)}.search-fallback__card h3{font-size:26px;line-height:1.2;letter-spacing:-.03em;margin:0 0 22px}.search-fallback__card .hmsa-form label{color:#d9e2ea}.search-fallback__card .hmsa-consent{display:flex;gap:9px;align-items:flex-start;font-weight:500}.search-fallback__card .hmsa-consent input{width:auto;margin-top:4px}.search-continue{max-width:1040px;margin:54px auto 0;padding-top:36px;border-top:1px solid var(--line)}.search-continue h2{margin:0 0 4px;font-size:26px}.search-continue>p{margin:0 0 18px;color:var(--muted)}.search-continue__actions{display:flex;gap:10px;align-items:stretch;flex-wrap:wrap}.search-continue__actions .search-form{display:flex;gap:8px;flex:1 1 390px}.search-continue__actions .search-field{width:100%;padding:13px;border:1px solid var(--line);border-radius:11px;background:#fff}.search-continue__actions .search-submit{border:0;background:var(--brand);color:#fff;border-radius:11px;padding:12px 17px;font-weight:800}.search-continue__actions>.btn:not(.btn--dark){background:#fff;border:1px solid var(--line)}
@media(max-width:900px){.search-fallback{grid-template-columns:1fr;gap:30px}.search-fallback__card{max-width:680px}}
@media(max-width:620px){.search-fallback__card{padding:23px}.search-continue__actions{display:grid}.search-continue__actions .search-form{display:grid;flex-basis:auto}}

/* v1.1 utility calculator layout */
.article-layout--solo{grid-template-columns:minmax(0,900px);justify-content:center}.article-layout--solo .article-main{max-width:900px;width:100%}