/* ================================================================
   Medicare Breakdown — digital booklet
   The Insurance Workshop
   Mobile-first, accessible, ink-light. Vanilla CSS.
   ================================================================ */
:root{
  --brand:#B0202E;         /* Insurance Workshop red */
  --brand-dark:#8A1822;
  --brand-tint:#FBEDEE;
  --sky:#DCEBF5;           /* cover light blue */
  --sky-soft:#EEF6FB;
  --ink:#1F242B;           /* body text — high contrast */
  --heading:#161A20;
  --muted:#51616F;         /* still AA on white */
  --bg:#FFFFFF;
  --bg-alt:#F7F9FB;
  --line:#E4E8ED;
  --gold:#0B6E99;          /* teal-blue secondary accent */
  --good:#137a43;
  --good-bg:#e8f5ee;
  --warn:#9a5b00;
  --warn-bg:#fdf4e2;
  --maxread:44rem;         /* ~700px comfortable reading column */
  --radius:16px;
  --shadow:0 10px 30px rgba(24,30,40,.10);
  --shadow-sm:0 3px 10px rgba(24,30,40,.08);
  font-size:18px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
@media (prefers-reduced-motion: reduce){ html{scroll-behavior:auto} *{animation:none!important;transition:none!important} }
body{
  margin:0;background:var(--bg);color:var(--ink);
  font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  line-height:1.72;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;
}
img{max-width:100%;height:auto;display:block}
a{color:var(--brand);text-underline-offset:2px}
h1,h2,h3,h4{color:var(--heading);line-height:1.2;margin:0 0 .5em;font-weight:800;letter-spacing:-.01em}
p{margin:0 0 1.1em}
strong{color:var(--heading)}

/* ---------- reading container ---------- */
.wrap{max-width:var(--maxread);margin:0 auto;padding:0 20px}
.section{padding:34px 0}
.section p, .section li{font-size:1.06rem}
.lead{font-size:1.14rem;color:#33404c}

/* ---------- progress bar ---------- */
.progress{position:fixed;top:0;left:0;right:0;height:5px;background:transparent;z-index:60}
.progress>span{display:block;height:100%;width:0;background:linear-gradient(90deg,var(--brand),#d6404d);transition:width .12s linear}
.tb-pct{font-size:.8rem;font-weight:700;color:var(--brand-dark);white-space:nowrap;font-variant-numeric:tabular-nums}
@media(max-width:380px){ .tb-pct{display:none} }

/* ---------- mini top bar (appears on scroll) ---------- */
.topbar{position:fixed;top:5px;left:0;right:0;z-index:55;display:flex;align-items:center;justify-content:space-between;
  gap:12px;padding:8px 14px;background:rgba(255,255,255,.94);backdrop-filter:saturate(1.4) blur(8px);
  border-bottom:1px solid var(--line);transform:translateY(-140%);transition:transform .25s ease}
.topbar.show{transform:translateY(0)}
.topbar .tb-logo{height:26px;width:auto}
.contents-btn{display:inline-flex;align-items:center;gap:8px;border:1.5px solid var(--brand);color:var(--brand);
  background:#fff;font-weight:700;font-size:.9rem;padding:8px 14px;border-radius:999px;cursor:pointer;min-height:40px}
.contents-btn:hover{background:var(--brand-tint)}
.contents-btn svg{width:16px;height:16px}

/* ---------- hero ---------- */
.hero{background:linear-gradient(180deg,var(--sky) 0%, var(--sky-soft) 60%, #fff 100%);padding:30px 0 20px;text-align:center}
.hero .wrap{max-width:40rem}
.hero-logo{height:40px;width:auto;margin:6px auto 20px}
.cover-shot{width:min(74%,300px);margin:0 auto 22px;border-radius:12px;
  box-shadow:0 18px 44px rgba(20,30,45,.28);}
.hero h1{font-size:2.05rem;margin:.1em 0 .1em}
.hero .subtitle{font-size:1.15rem;color:var(--brand-dark);font-weight:700;margin-bottom:.6em}
.byline{color:#3a4551;font-weight:600;margin:.2em 0 0}
.byline .co{display:block;color:var(--muted);font-weight:500;font-size:.92rem;margin-top:2px}
.ready{margin-top:26px;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px 20px;box-shadow:var(--shadow-sm)}
.ready h2{font-size:1.5rem;color:var(--brand-dark);margin-bottom:.35em}
.ready p{font-size:1.05rem;color:#39434e;margin-bottom:0}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;cursor:pointer;
  font-weight:800;font-size:1.06rem;padding:16px 26px;border-radius:999px;border:none;min-height:54px;text-decoration:none;
  transition:transform .12s ease, background .12s ease}
.btn:active{transform:translateY(1px)}
.btn-primary{background:var(--brand);color:#fff;box-shadow:var(--shadow)}
.btn-primary:hover{background:var(--brand-dark)}
.btn-ghost{background:#fff;color:var(--brand);border:2px solid var(--brand)}
.btn-ghost:hover{background:var(--brand-tint)}
.btn-lg{width:100%;max-width:420px}
.btn-start{margin-top:20px}

/* ---------- table of contents ---------- */
.toc{background:var(--bg-alt);border:1px solid var(--line);border-radius:var(--radius);padding:8px 6px;margin:8px 0}
.toc-summary{list-style:none;cursor:pointer;display:flex;align-items:center;justify-content:space-between;
  padding:14px 16px;font-weight:800;color:var(--heading);font-size:1.15rem}
.toc-summary::-webkit-details-marker{display:none}
.toc-summary .chev{transition:transform .2s}
details[open] .toc-summary .chev{transform:rotate(180deg)}
.toc-part{padding:6px 16px 2px;font-size:.78rem;letter-spacing:.14em;text-transform:uppercase;color:var(--brand);font-weight:800}
.toc a{display:flex;justify-content:space-between;gap:12px;text-decoration:none;color:var(--ink);
  padding:11px 16px;border-radius:10px;font-weight:600}
.toc a:hover{background:#fff}
.toc a .pg{color:var(--muted);font-weight:600;font-variant-numeric:tabular-nums}

/* ---------- chapter dividers & headings ---------- */
.part-divider{background:var(--brand);color:#fff;border-radius:22px;margin:14px 0 6px;padding:40px 26px;text-align:center;
  box-shadow:var(--shadow)}
.part-divider .kicker{font-size:.8rem;letter-spacing:.24em;text-transform:uppercase;opacity:.85;font-weight:800}
.part-divider h2{color:#fff;font-size:2rem;margin:.25em 0 0}
.part-divider p{color:#ffdfe2;margin:.6em 0 0;font-size:1.02rem}

.chapter{scroll-margin-top:74px}
.chapter-head{margin:26px 0 8px}
.chapter-eyebrow{display:inline-block;font-size:.76rem;letter-spacing:.16em;text-transform:uppercase;color:var(--brand);
  font-weight:800;margin-bottom:6px}
.chapter h3{font-size:1.62rem}
.chapter h4{font-size:1.16rem;color:var(--brand-dark);margin-top:1.3em}
.rule{height:3px;width:56px;background:var(--brand);border-radius:2px;margin:2px 0 16px}

/* ---------- A/B/C/D cards ---------- */
.abcd{display:grid;grid-template-columns:1fr;gap:14px;margin:18px 0 6px}
.abcd .card{border:1px solid var(--line);border-left:6px solid var(--brand);border-radius:14px;padding:16px 18px;background:#fff;box-shadow:var(--shadow-sm)}
.abcd .tag{font-size:.72rem;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:var(--brand)}
.abcd .card h4{margin:.15em 0 .2em;font-size:1.25rem;color:var(--heading)}
.abcd .card p{margin:0;color:#3c4650;font-size:.98rem}
@media(min-width:640px){ .abcd{grid-template-columns:1fr 1fr} }

/* ---------- callouts ---------- */
.callout{border-radius:14px;padding:16px 18px;margin:18px 0;border:1px solid var(--line);border-left:6px solid var(--gold);background:var(--sky-soft)}
.callout .label{display:inline-block;font-size:.72rem;font-weight:800;letter-spacing:.12em;text-transform:uppercase;
  color:var(--gold);margin-bottom:6px}
.callout p:last-child{margin-bottom:0}
.callout.cost{border-left-color:var(--brand);background:var(--brand-tint)}
.callout.cost .label{color:var(--brand)}
.callout.remember{border-left-color:#8a6d00;background:#fdf6e0}
.callout.remember .label{color:#8a6d00}
.callout.remember p{font-size:1.12rem;font-weight:700;color:#3a3320}
.callout.example{border-left-color:#3a4551;background:#f4f6f8}
.callout.example .label{color:#3a4551}
.callout.example p{font-style:italic;color:#39434e}
.callout.mistake{border-left-color:var(--brand);background:var(--brand-tint)}
.callout.mistake .label{color:var(--brand)}
.cost-list{list-style:none;margin:0;padding:0}
.cost-list li{display:flex;justify-content:space-between;gap:14px;padding:9px 0;border-bottom:1px dashed #e6ccce}
.cost-list li:last-child{border-bottom:none}
.cost-list .amt{font-weight:800;color:var(--brand-dark);white-space:nowrap;font-variant-numeric:tabular-nums}

/* ---------- plan cards + comparison ---------- */
.plan-card{border:1px solid var(--line);border-top:6px solid var(--brand);border-radius:16px;padding:18px 20px;margin:16px 0;background:#fff;box-shadow:var(--shadow-sm)}
.plan-card h4{margin:0 0 .1em;font-size:1.35rem;color:var(--heading)}
.plan-card .plan-tag{font-size:.8rem;font-weight:700;color:var(--brand);margin-bottom:.5em}
.compare{width:100%;border-collapse:collapse;margin:16px 0;font-size:.95rem;border:1px solid var(--line);border-radius:12px;overflow:hidden}
.compare caption{caption-side:top;text-align:left;font-weight:700;color:var(--muted);font-size:.9rem;padding:0 0 8px}
.compare th,.compare td{padding:11px 10px;text-align:center;border-bottom:1px solid var(--line)}
.compare thead th{background:var(--brand);color:#fff;font-size:.9rem}
.compare tbody th{text-align:left;background:var(--bg-alt);color:var(--heading);font-weight:700;font-size:.9rem}
.compare .yes{color:var(--good);font-weight:800}
.compare .no{color:var(--brand);font-weight:800}
.compare tr:last-child td,.compare tr:last-child th{border-bottom:none}
.table-scroll{overflow-x:auto;-webkit-overflow-scrolling:touch}

/* ---------- plan-type cards (PPO/HMO/MSA) ---------- */
.type-card{border:1px solid var(--line);border-radius:14px;padding:6px 20px 8px;margin:16px 0;background:#fff;box-shadow:var(--shadow-sm)}
.type-card .type-badge{display:inline-block;margin-top:16px;background:var(--sky);color:var(--brand-dark);font-weight:800;
  letter-spacing:.04em;padding:6px 14px;border-radius:999px;font-size:.85rem}

/* ---------- mistakes ---------- */
.mistake-head{background:linear-gradient(135deg,var(--brand),var(--brand-dark));color:#fff;border-radius:18px;
  padding:26px 24px;margin:22px 0 6px;box-shadow:var(--shadow)}
.mistake-count{font-size:.78rem;letter-spacing:.14em;text-transform:uppercase;font-weight:800;opacity:.85}
.mistake-head .num{font-size:2.4rem;font-weight:900;line-height:1;margin:.1em 0 .12em}
.mistake-head h3{color:#fff;font-size:1.4rem;margin:0}
.mistake-body{padding-top:6px}

/* ---------- inline CTA ---------- */
.cta{background:var(--sky-soft);border:1px solid #cfe4f2;border-radius:18px;padding:26px 22px;margin:30px 0;text-align:center}
.cta h3{color:var(--brand-dark);font-size:1.4rem}
.cta p{color:#39434e;max-width:34rem;margin:0 auto 18px}
.cta .btn{margin:6px auto 0}

/* ---------- authors ---------- */
.authors{background:var(--bg-alt);border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:36px 0}
.author{display:flex;gap:18px;align-items:flex-start;margin:18px 0}
.author img{width:92px;height:92px;border-radius:50%;object-fit:cover;flex:0 0 auto;border:3px solid #fff;box-shadow:var(--shadow-sm)}
.author .a-body h4{margin:0 0 .1em}
.author .a-body .role{color:var(--brand);font-weight:700;font-size:.9rem;margin-bottom:.4em}
.photos-stack{display:flex;gap:-10px}

/* ---------- final CTA ---------- */
.final{background:linear-gradient(160deg,var(--brand-dark),var(--brand));color:#fff;padding:44px 0;text-align:center}
.final .wrap{max-width:40rem}
.final h2{color:#fff;font-size:1.9rem}
.final p{color:#ffe4e6;font-size:1.08rem;margin-bottom:22px}
.final .btn-primary{background:#fff;color:var(--brand-dark)}
.final .btn-primary:hover{background:#ffeaec}
.final .btn-ghost{background:transparent;color:#fff;border-color:#fff}
.final .btn-ghost:hover{background:rgba(255,255,255,.12)}
.final .stack{display:flex;flex-direction:column;gap:12px;align-items:center;margin-top:8px}
.final .office{margin-top:24px;font-size:.95rem;color:#ffdfe2}
.final .office a{color:#fff}

/* footer */
.foot{background:#20242b;color:#b9c2cc;text-align:center;padding:26px 20px;font-size:.85rem}
.foot img{height:30px;margin:0 auto 10px;opacity:.95}
.foot a{color:#dfe6ec}

/* ---------- floating contents (bottom-left) & contact (bottom-right) ---------- */
.fab-contents{position:fixed;left:14px;bottom:16px;z-index:52;display:none}
.fab-contents.show{display:inline-flex}
.fab{display:inline-flex;align-items:center;gap:8px;background:#fff;color:var(--brand);border:1.5px solid var(--brand);
  border-radius:999px;padding:11px 16px;font-weight:800;font-size:.9rem;box-shadow:var(--shadow);cursor:pointer;min-height:46px}
.fab svg{width:16px;height:16px}
.fab-contact-wrap{position:fixed;right:14px;bottom:16px;z-index:52;display:none}
.fab-contact-wrap.show{display:block}
.fab-contact{background:var(--brand);color:#fff;border-color:var(--brand)}
.fab-contact:hover{background:var(--brand-dark)}
.contact-menu{position:absolute;right:0;bottom:58px;background:#fff;border:1px solid var(--line);border-radius:14px;
  box-shadow:var(--shadow);padding:8px;min-width:220px;display:none}
.contact-menu.show{display:block}
.contact-menu a{display:flex;align-items:center;gap:10px;padding:12px 14px;border-radius:10px;text-decoration:none;
  color:var(--ink);font-weight:700}
.contact-menu a:hover{background:var(--bg-alt)}
.contact-menu a svg{width:18px;height:18px;color:var(--brand)}

/* ---------- TOC drawer (overlay) ---------- */
.drawer-back{position:fixed;inset:0;background:rgba(20,24,30,.5);z-index:70;opacity:0;pointer-events:none;transition:opacity .2s}
.drawer-back.show{opacity:1;pointer-events:auto}
.drawer{position:fixed;top:0;right:0;height:100%;width:min(86%,380px);background:#fff;z-index:71;
  transform:translateX(102%);transition:transform .26s ease;overflow-y:auto;box-shadow:-8px 0 30px rgba(0,0,0,.2)}
.drawer.show{transform:translateX(0)}
.drawer-head{display:flex;align-items:center;justify-content:space-between;padding:16px 18px;border-bottom:1px solid var(--line);position:sticky;top:0;background:#fff}
.drawer-head h3{margin:0;font-size:1.2rem}
.drawer-close{background:none;border:none;font-size:1.6rem;line-height:1;cursor:pointer;color:var(--muted);padding:6px;min-width:44px;min-height:44px}
.drawer .toc-part{padding-top:14px}
.drawer a{display:flex;justify-content:space-between;gap:10px;padding:12px 18px;text-decoration:none;color:var(--ink);font-weight:600;border-bottom:1px solid #f1f3f5}
.drawer a:hover{background:var(--bg-alt)}
.drawer a .pg{color:var(--muted)}

/* larger screens */
@media(min-width:760px){
  :root{font-size:19px}
  .hero h1{font-size:2.6rem}
  .part-divider h2{font-size:2.4rem}
  .chapter h3{font-size:1.9rem}
}

/* visually-hidden */
.vh{position:absolute!important;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
:focus-visible{outline:3px solid var(--gold);outline-offset:2px;border-radius:6px}