:root{
  --navy:#0d2943;--navy2:#153f5e;--teal:#2b8f85;--teal2:#62b8ae;
  --gold:#c6a15b;--cream:#f5efe4;--mist:#eef6f6;--sky:#f2f7fa;
  --ink:#183044;--muted:#667887;--line:#dce6ea;--white:#fff;--footer:#091f32;
  --shadow:0 18px 45px rgba(13,41,67,.10);--soft-shadow:0 9px 25px rgba(13,41,67,.055);
  --radius:22px;--radius-sm:16px;--header-h:76px;--motion:200ms;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:var(--header-h)}
body{margin:0;font-family:Inter,Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.55;font-size:16px;overflow-x:hidden}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
button,input,select,textarea{font:inherit}
button,a,input,select,textarea{border-radius:0}
.container{width:min(1180px,92%);margin-inline:auto}
.eyebrow{font-size:.76rem;letter-spacing:.15em;text-transform:uppercase;font-weight:850;color:var(--teal)}
h1,h2,h3{font-family:Manrope,Inter,Arial,sans-serif;line-height:1.06;color:var(--navy);margin-top:0}
h1{font-size:clamp(2.7rem,5.5vw,5.1rem);letter-spacing:-.045em;margin-bottom:20px}
h2{font-size:clamp(2rem,4vw,3.45rem);letter-spacing:-.035em;margin-bottom:18px}
h3{font-size:1.15rem;margin-bottom:8px}
p{margin-top:0}
.section-lead{font-size:1.08rem;color:var(--muted);max-width:780px}
.micro{font-size:.78rem;color:var(--muted)}
.section{padding:86px 0;position:relative}
.section.alt{background:linear-gradient(180deg,#f4f9fb,#fff)}
.section.mist{background:linear-gradient(180deg,#eef7f6,#fff)}
.section.slate{background:#f6f9fa}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:48px;border-radius:999px;padding:14px 21px;font-weight:850;border:1px solid transparent;cursor:pointer;transition:background var(--motion) ease,color var(--motion) ease,border-color var(--motion) ease,transform var(--motion) ease}
.btn-primary{background:var(--teal);color:white}
.btn-secondary{background:white;border-color:var(--line);color:var(--navy)}
.btn-navy{background:var(--navy);color:white}
.btn[disabled],.btn.is-disabled{cursor:not-allowed;background:#e6ecef;color:#647783;border-color:#d6e0e4;box-shadow:none;transform:none}
:focus-visible{outline:3px solid #f0c772;outline-offset:3px}
.site-nav{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(12px);border-bottom:1px solid rgba(220,230,234,.9)}
.nav-inner{height:var(--header-h);display:flex;align-items:center;justify-content:space-between;gap:24px}
.brand{display:flex;align-items:center;flex:none;min-width:0}
.brand img{display:block;width:202px;height:auto;aspect-ratio:472/99}
.nav-links{display:flex;gap:18px;align-items:center;font-weight:750;font-size:.88rem}
.nav-links a:not(.btn){position:relative;padding-block:26px 24px}
.mobile-toggle{display:none;align-items:center;justify-content:center;width:46px;height:46px;border:1px solid var(--line);border-radius:50%;background:#fff;color:var(--navy);cursor:pointer}
.mobile-toggle svg{width:22px;height:22px;stroke:currentColor;stroke-width:2;fill:none}
.mobile-menu{display:none;border-top:1px solid var(--line);background:#fff}
.mobile-menu-inner{width:min(1180px,92%);margin:auto;padding:12px 0 22px;display:grid;gap:4px}
.mobile-menu a{display:flex;align-items:center;min-height:48px;padding:10px 8px;border-bottom:1px solid #edf2f4;color:var(--navy);font-weight:800}
.mobile-menu.open{display:block}
.hero{padding:78px 0 58px;background:radial-gradient(circle at 12% 8%,rgba(43,143,133,.11),transparent 28%),linear-gradient(180deg,#fff 0%,#edf7f6 100%)}
.hero-grid{display:grid;grid-template-columns:1.04fr .96fr;gap:54px;align-items:center}
.hero p{font-size:1.18rem;color:#526b7b;max-width:720px}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin:27px 0 23px}
.affiliation{font-size:.88rem!important;color:var(--muted)!important}
.hero-media{position:relative}
.hero-media:before{content:"";position:absolute;top:-18px;right:30px;bottom:26px;left:-18px;background:linear-gradient(135deg,#f4ead5,#dff2ee);border-radius:32px}
.hero-media img{position:relative;z-index:1;width:100%;height:auto;aspect-ratio:1400/1780;object-fit:cover;object-position:center 34%;border-radius:28px;box-shadow:var(--shadow)}
.savings-bubble{position:absolute;z-index:2;left:-28px;bottom:24px;background:white;border-radius:18px;padding:19px 22px;box-shadow:var(--shadow);border-left:5px solid var(--gold)}
.savings-bubble strong,.savings-bubble span{display:block}
.savings-bubble strong{color:var(--navy);font-size:2rem;line-height:1.1}
.savings-bubble span{font-size:.76rem;color:var(--muted);max-width:220px}
.metrics{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--line);border:1px solid var(--line);border-radius:18px;overflow:hidden;margin-top:38px;box-shadow:0 12px 34px rgba(13,41,67,.06)}
.metric{display:grid;gap:5px;background:white;padding:22px;min-height:120px;position:relative}
.metric:before{content:"";position:absolute;top:0;left:0;right:0;height:4px;background:var(--teal)}
.metric:nth-child(2):before{background:var(--gold)}.metric:nth-child(3):before{background:#4e7893}.metric:nth-child(4):before{background:var(--teal2)}
.metric strong{display:block;font-size:1.45rem;color:var(--navy)}.metric span{display:block;font-size:.8rem;color:var(--muted)}
.split{display:grid;grid-template-columns:.9fr 1.1fr;gap:50px;align-items:center}
.split.reverse{grid-template-columns:1.1fr .9fr}
.feature-photo{display:block;width:100%;height:auto;aspect-ratio:1400/933;object-fit:cover;border-radius:26px;box-shadow:var(--shadow)}
.card-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;margin-top:28px}
.card-grid.four{grid-template-columns:repeat(4,minmax(0,1fr))}
.card-grid.two{grid-template-columns:repeat(2,minmax(0,1fr))}
.card{background:white;border:1px solid var(--line);border-radius:18px;padding:26px;box-shadow:var(--soft-shadow)}
.card.soft{background:var(--sky);box-shadow:none}
.card.teal-top{border-top:4px solid var(--teal)}.card.gold-top{border-top:4px solid var(--gold)}
.card p{color:var(--muted);font-size:.94rem;margin-bottom:0}
.step-num{display:grid;place-items:center;width:40px;height:40px;border-radius:50%;background:var(--navy);color:white;font-weight:900;margin-bottom:17px}
.card:nth-child(2)>.step-num{background:var(--teal)}.card:nth-child(3)>.step-num{background:#a67d39}
.program-note{margin-top:20px;padding:18px 20px;border-radius:14px;background:#f7f2e7;color:#745d37;border:1px solid #eadcc0}
.process{padding:86px 0;position:relative;background:linear-gradient(180deg,#fff,#f6f9fa)}
.program-process{margin-top:32px;padding:30px;border:1px solid var(--line);border-radius:22px;background:#fff;box-shadow:var(--soft-shadow)}
.process-heading{display:grid;grid-template-columns:minmax(0,1fr) minmax(300px,.72fr);gap:36px;align-items:end;margin-bottom:26px}
.detail-kicker{margin-bottom:8px;color:var(--teal);font-size:.74rem;font-weight:900;letter-spacing:.1em;text-transform:uppercase}
.process-heading h3{margin:0;color:var(--navy);font-size:clamp(1.65rem,3vw,2.35rem)}
.process-heading>p{margin:0;color:var(--muted);font-size:.92rem;line-height:1.65}
.program-process-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}
.program-step{display:grid;grid-template-rows:auto auto 1fr;padding:22px;border:1px solid var(--line);border-radius:16px;background:#f9fbfc}
.program-step>span{display:grid;place-items:center;width:40px;height:40px;margin-bottom:15px;border-radius:50%;background:var(--navy);color:#fff;font-weight:900}
.program-step:nth-child(2n)>span{background:var(--teal)}
.program-step:nth-child(3n)>span{background:#8a642d}
.program-step strong{display:block;margin-bottom:8px;color:var(--navy);font-family:Manrope,Inter,Arial,sans-serif;font-size:1rem}
.program-step p{margin:0;color:var(--muted);font-size:.86rem;line-height:1.6}
.process-note{margin-top:20px;padding:18px 20px;border-radius:14px;background:#f7f2e7;color:#745d37;border:1px solid #eadcc0;line-height:1.55}
.care{padding:86px 0;position:relative;background:linear-gradient(180deg,#eef7f6,#fff)}
.care-top{display:grid;grid-template-columns:.88fr 1.12fr;gap:32px;align-items:center;margin-top:30px}
.care .care-top>img{display:block;width:100%;height:auto;aspect-ratio:1400/933;object-fit:cover;border-radius:24px;box-shadow:var(--shadow)}
.care-photo{display:block;width:100%;height:auto;aspect-ratio:1400/933;object-fit:cover;border-radius:24px;box-shadow:var(--shadow)}
.care-summary{background:white;border:1px solid var(--line);border-radius:22px;padding:30px;box-shadow:0 12px 30px rgba(13,41,67,.05)}
.benefit-access-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;margin-top:22px}
.benefit-access-card{display:grid;gap:5px;min-width:0;padding:16px;border:1px solid var(--line);border-radius:14px;background:var(--sky)}
.benefit-access-card.household{border-top:3px solid var(--teal)}
.benefit-access-card.employee-only{border-top:3px solid var(--gold);background:#fbf8f1}
.benefit-access-card>span{display:block;color:var(--muted);font-size:.82rem;line-height:1.4}
.benefit-access-card>strong{display:block;color:var(--navy);font-family:Manrope,Inter,Arial,sans-serif;font-size:1.16rem;line-height:1.2}
.benefit-access-card>.benefit-access-label{color:var(--teal);font-size:.68rem;font-weight:850;letter-spacing:.08em;line-height:1.35}
.benefit-access-card.employee-only>.benefit-access-label{color:#8a642d}
.placeholder-graphic{margin-top:22px;border-radius:18px;border:1px solid var(--line);width:100%;height:auto;aspect-ratio:1200/720}
.audience-tabs{display:flex;gap:12px;flex-wrap:wrap;margin:30px 0 20px}
.audience-btn{display:inline-flex;align-items:center;justify-content:center;min-height:48px;border:1px solid var(--line);background:white;color:var(--navy);border-radius:999px;padding:13px 19px;font-weight:850;cursor:pointer;box-shadow:0 7px 18px rgba(13,41,67,.05)}
.audience-btn.active{background:var(--navy);color:white;border-color:var(--navy)}
.audience-panel{display:none}.audience-panel.active{display:block}
.benefit-card{background:white;border:1px solid var(--line);border-radius:17px;padding:21px;box-shadow:0 8px 22px rgba(13,41,67,.04)}
.benefit-card h3{font-size:1rem}.benefit-card p{font-size:.85rem;color:var(--muted);margin-bottom:0}
.benefit-icon{display:grid;place-items:center;width:42px;height:42px;border-radius:12px;background:var(--mist);color:var(--teal);font-weight:900;margin-bottom:13px}
.benefit-card:nth-child(even) .benefit-icon{background:#f6eddc;color:#8a642d}
.audience-note{margin-top:19px;padding:22px;border-radius:18px;background:linear-gradient(135deg,var(--navy),var(--navy2));color:white}
.audience-note h3{color:white}.audience-note p{color:#dbe8ef;margin-bottom:0}
.fit-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-top:26px}
.fit-card{padding:28px;border:1px solid var(--line);border-radius:20px;background:var(--sky)}
.check-list{display:grid;gap:11px;margin-top:16px}
.check-item{display:flex;gap:10px;align-items:flex-start;padding:12px 14px;background:white;border-radius:11px;border:1px solid var(--line);font-size:.92rem}
.check-mark{display:grid;place-items:center;flex:0 0 22px;width:22px;height:22px;border-radius:50%;background:var(--mist);color:var(--teal);font-weight:900}
.who-card{display:flex;flex-direction:column;align-items:stretch;text-align:left;width:100%;border:1px solid var(--line);border-radius:22px;padding:28px;background:white;box-shadow:var(--soft-shadow);cursor:pointer;color:var(--ink)}
.who-card h3{font-size:1.45rem}.who-card p{color:var(--muted)}
.who-action{display:block;margin-top:auto;padding-top:18px;color:var(--teal);font-weight:850}
.who-card.active{border-color:var(--teal);box-shadow:0 14px 36px rgba(43,143,133,.15)}
.who-panel{display:none;margin-top:18px;padding:28px;border-radius:22px;background:var(--sky);border:1px solid var(--line)}
.who-panel.active{display:block}
.panel-head{display:flex;align-items:flex-start;justify-content:space-between;gap:20px}
.panel-close{display:grid;place-items:center;flex:none;width:44px;height:44px;border:1px solid var(--line);border-radius:50%;background:white;color:var(--navy);font-size:1.4rem;cursor:pointer}

/* Original color-coded Who Benefits presentation */
.who-benefits-grid-three{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px;align-items:start;margin-top:28px}
.who-benefits-color{align-items:stretch}
.who-benefit-card{border:1px solid var(--line);border-radius:22px;background:#fff;box-shadow:0 10px 28px rgba(13,41,67,.045);height:auto;min-height:0;color:var(--ink)}
.who-benefits-color .who-benefit-card{display:flex;flex-direction:column;padding:0;overflow:hidden;min-height:100%;border-radius:22px;box-shadow:0 12px 30px rgba(13,41,67,.06)}
.who-benefits-color .employer-card{border:1px solid rgba(43,143,133,.32);background:linear-gradient(145deg,#f1fbf8 0%,#fff 72%)}
.who-benefits-color .employee-card{border:1px solid rgba(49,142,229,.32);background:linear-gradient(145deg,#eef7ff 0%,#fff 72%)}
.who-benefits-color .household-card{border:1px solid rgba(198,161,91,.42);background:linear-gradient(145deg,#fff9ec 0%,#fff 72%)}
.who-card-head{display:grid;grid-template-columns:58px 1fr;gap:16px;align-items:start;padding:24px 24px 18px;flex:1}
.who-card-icon{display:flex;align-items:center;justify-content:center;width:58px;height:58px;border-radius:50%;font-size:1.65rem;font-weight:800;color:#fff}
.employer-card .who-card-icon{background:var(--teal)}
.employee-card .who-card-icon{background:#318ee5}
.household-card .who-card-icon{background:#d3a020}
.who-card-kicker{font-size:.7rem;text-transform:uppercase;letter-spacing:.1em;font-weight:900;margin-bottom:5px}
.employer-card .who-card-kicker{color:#19766d}
.employee-card .who-card-kicker{color:#2479c8}
.household-card .who-card-kicker{color:#8b6108}
.who-benefits-color .who-benefit-card h3{margin:0 0 8px;color:var(--navy);font-size:1.52rem;line-height:1.03;letter-spacing:-.025em}
.who-card-sub{margin:0;color:var(--muted);font-size:.86rem;line-height:1.45}
.wb-compact-grid .wb-trigger{appearance:none;width:100%;text-align:left;font:inherit;cursor:pointer;padding:0;overflow:hidden;transition:transform var(--motion) ease,box-shadow var(--motion) ease}
.wb-compact-grid .wb-trigger.active{box-shadow:0 14px 36px rgba(13,41,67,.14)}
.wb-compact-grid .who-card-action{margin:0 18px 18px;padding:13px 15px;border-radius:12px;display:flex;align-items:center;justify-content:space-between;gap:12px;font-size:.82rem;font-weight:800}
.wb-compact-grid .who-card-action span{display:inline-flex;align-items:center;justify-content:center;font-size:1rem;transition:transform var(--motion) ease}
.wb-compact-grid .wb-trigger[aria-expanded="true"] .who-card-action span{transform:rotate(180deg)}
.wb-compact-grid .employer-card .who-card-action{background:rgba(43,143,133,.12);color:#19766d}
.wb-compact-grid .employee-card .who-card-action{background:rgba(49,142,229,.12);color:#2479c8}
.wb-compact-grid .household-card .who-card-action{background:rgba(198,161,91,.17);color:#8b6108}
.wb-expanded-panels{margin-top:4px}
.wb-panel{display:none;border-radius:20px;padding:22px;margin-top:14px;box-shadow:0 12px 28px rgba(13,41,67,.07)}
.wb-panel.active{display:block;animation:wbOpen .18s ease-out}
@keyframes wbOpen{from{opacity:0;transform:translateY(-6px)}to{opacity:1;transform:none}}
.wb-employer-panel{border:1px solid rgba(43,143,133,.48);background:linear-gradient(145deg,#effaf7,#fff)}
.wb-employee-panel{border:1px solid rgba(49,142,229,.45);background:linear-gradient(145deg,#eef7ff,#fff)}
.wb-household-panel{border:1px solid rgba(198,161,91,.52);background:linear-gradient(145deg,#fff8e9,#fff)}
.wb-panel-head{display:flex;justify-content:space-between;gap:18px;align-items:flex-start;margin-bottom:18px}
.wb-panel-kicker{font-size:.7rem;text-transform:uppercase;letter-spacing:.1em;font-weight:900;color:var(--teal)}
.wb-employee-panel .wb-panel-kicker{color:#2479c8}
.wb-household-panel .wb-panel-kicker{color:#8b6108}
.wb-panel-head h3{margin:4px 0 0;font-size:1.45rem;color:var(--navy)}
.wb-close{display:flex;align-items:center;justify-content:center;flex:none;border:0;width:44px;height:44px;border-radius:50%;font-size:1.3rem;cursor:pointer;color:#fff;background:var(--teal)}
.wb-employee-panel .wb-close{background:#318ee5}
.wb-household-panel .wb-close{background:#b88813}
.wb-tile-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px}
.wb-tile-grid.wb-four{grid-template-columns:repeat(4,minmax(0,1fr))}
.wb-detail-tile{background:#fff;border:1px solid rgba(13,41,67,.08);border-radius:14px;padding:16px;display:flex;gap:11px;align-items:flex-start;min-height:92px}
.wb-detail-tile p{margin:0;color:var(--navy);font-size:.84rem;line-height:1.42}
.wb-check{display:flex;align-items:center;justify-content:center;flex:0 0 24px;width:24px;height:24px;border-radius:50%;color:#fff;font-weight:900;background:var(--teal)}
.wb-employee-panel .wb-check{background:#318ee5}
.wb-household-panel .wb-check{background:#b88813}
.wb-panel-intro{margin:-7px 0 17px;color:var(--muted);font-size:.88rem}
@media(hover:hover){.wb-compact-grid .wb-trigger:hover{transform:translateY(-2px)}}
@media(max-width:1050px){.who-benefits-grid-three{grid-template-columns:1fr 1fr}.who-benefits-color .household-card{grid-column:1/-1}}
@media(max-width:1000px){.wb-tile-grid,.wb-tile-grid.wb-four{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:700px){.who-benefits-grid-three{grid-template-columns:1fr}.who-benefits-color .household-card{grid-column:auto}.who-card-head{grid-template-columns:48px 1fr;padding:20px 20px 16px}.who-card-icon{width:48px;height:48px;font-size:1.35rem}}
@media(max-width:650px){.wb-tile-grid,.wb-tile-grid.wb-four{grid-template-columns:1fr}.wb-detail-tile{min-height:0}.wb-panel{padding:18px}}
@media(prefers-reduced-motion:reduce){.wb-panel.active{animation:none}.wb-compact-grid .wb-trigger,.wb-compact-grid .who-card-action span{transition:none}}
.savings{background:linear-gradient(180deg,#edf7f6,#e8f3f5)}
.savings-grid{display:grid;grid-template-columns:.93fr 1.07fr;gap:26px;align-items:stretch;margin-top:30px}
.calc,.paycheck{background:white;border-radius:22px;padding:30px;box-shadow:var(--shadow)}
.calc label{display:block;font-weight:850;color:var(--navy);margin-bottom:8px}
.calc input[type=number]{width:100%;min-height:50px;padding:12px 14px;border:1px solid var(--line);border-radius:10px;color:var(--navy);font-weight:800}
.calc input[type=range]{width:100%;accent-color:var(--teal);margin:24px 0}
.calc-value{font-size:clamp(2.5rem,6vw,4rem);font-weight:900;color:var(--navy);letter-spacing:-.04em;line-height:1}
.calc-caption{color:var(--muted);font-size:.84rem;margin-top:8px}
.calc-row{display:flex;justify-content:space-between;gap:12px;margin:15px 0;padding-top:15px;border-top:1px solid var(--line)}
.calc-row span,.calc-row strong{display:block}.calc-row strong{color:var(--navy)}
.paycheck-head{margin-bottom:22px}.paycheck-head h3{font-size:1.55rem}
.paycheck-grid{display:grid;grid-template-columns:1fr auto 1fr;gap:18px;align-items:center;text-align:center}
.paycheck-box{padding:20px;border-radius:14px;background:var(--sky)}
.paycheck-box strong,.paycheck-box span{display:block}.paycheck-box strong{font-size:1.5rem;color:var(--navy)}
.paycheck-arrow{font-size:1.7rem;color:var(--teal);font-weight:900}
.gain-band{margin-top:18px;padding:18px;border-radius:14px;background:var(--navy);color:white;text-align:center}
.gain-band strong,.gain-band span{display:block}.gain-band strong{font-size:1.8rem}
.savings-clean{padding:86px 0;background:linear-gradient(180deg,#f6f9fb 0%,#fff 100%)}
.savings-head{max-width:760px;margin-bottom:30px}
.savings-clean-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:24px;align-items:stretch}
.calc-clean,.paycheck-clean{height:100%;border:1px solid var(--line);border-radius:20px;background:#fff;box-shadow:0 10px 28px rgba(13,41,67,.05)}
.calc-clean{padding:28px}
.employee-slider-label{display:flex;justify-content:space-between;align-items:end;color:var(--navy);font-weight:800;margin-bottom:14px}
.employee-slider-label strong{font-size:1.55rem;color:var(--teal)}
.employee-number-wrap{display:flex;align-items:center;justify-content:space-between;gap:18px;padding:16px 18px;margin:4px 0 24px;border:1px solid var(--line);border-radius:14px;background:#f8fbfc}
.employee-number-prefix{color:var(--muted);font-size:.84rem;line-height:1.35}
.calc input.employee-number-input[type=number]{width:150px;min-height:auto;flex:0 0 150px;border:2px solid rgba(43,143,133,.35);border-radius:12px;background:#fff;color:var(--navy);font:800 1.3rem/1.1 Inter,Arial,sans-serif;padding:12px 14px;text-align:right;outline:none}
.calc input.employee-number-input[type=number]:focus{border-color:var(--teal);box-shadow:0 0 0 3px rgba(43,143,133,.10)}
.employee-entry-label{margin-bottom:10px}
.estimate-feature{padding:24px;border-radius:16px;background:var(--navy);color:#fff;margin-bottom:12px}
.estimate-feature span{display:block;font-size:.8rem;opacity:.8;margin-bottom:7px}
.estimate-feature strong{display:block;font-size:2.15rem;line-height:1}
.calc-row-clean{padding:14px 2px 8px;border-bottom:0}
.calc-row-clean span{color:var(--muted)}
.calc-row-clean strong{color:var(--navy);font-size:1.15rem}
.savings-disclaimer{margin:14px 0 0;color:var(--muted);font-size:.74rem;line-height:1.5}
.paycheck-clean{padding:28px;margin:0}
.simerp-example-card{padding:26px;border-radius:20px;background:#fff;border:1px solid #dce8ea;box-shadow:0 12px 30px rgba(13,41,67,.05)}
.simerp-example-card h2{margin:5px 0 8px;color:var(--navy);font-size:2rem;line-height:1.04}
.simerp-example-card>p{color:var(--muted);font-size:.9rem;line-height:1.5}
.simerp-top-metrics{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:22px}
.simerp-metric{padding:18px;border:1px solid #dce6e9;border-radius:16px;background:#fff}
.simerp-metric-icon{display:flex;align-items:center;justify-content:center;width:48px;height:48px;border-radius:50%;font-size:1.25rem;font-weight:900;margin-bottom:13px}
.simerp-metric-icon.teal,.simerp-metric-icon.aqua{background:#dff4ef;color:#11847b}
.simerp-metric-icon.blue{background:#e5f1fb;color:#267ec4}
.simerp-metric span{display:block;color:#536b7e;text-transform:uppercase;letter-spacing:.05em;font-size:.68rem;font-weight:850}
.simerp-metric strong{display:block;margin:7px 0;color:var(--navy);font-size:1.55rem;line-height:1.08}
.simerp-metric small{color:var(--muted);font-size:.72rem}
.simerp-net-compare{display:grid;grid-template-columns:1fr 52px 1fr;gap:12px;align-items:center;margin-top:16px}
.simerp-net-card{padding:20px;border:1px solid #dce6e9;border-radius:16px;background:#fff}
.simerp-net-card.after{background:linear-gradient(145deg,#eef9f6,#fff);border-color:var(--teal)}
.simerp-net-card>span{color:#536b7e;font-size:.78rem;font-weight:900}
.simerp-net-card.after>span{color:var(--teal)}
.simerp-net-card>b{display:block;color:var(--navy);margin-top:13px}
.simerp-net-card>strong{display:block;color:var(--navy);font-size:2rem;margin:7px 0 12px}
.simerp-net-card hr{border:0;border-top:1px solid #dfe7e9}
.simerp-net-card p{margin:5px 0;color:var(--muted);font-size:.76rem}
.simerp-arrow{text-align:center;color:var(--teal);font-size:2rem}
.simerp-gain-band{display:grid;grid-template-columns:1fr 1fr;gap:0;margin-top:16px;border-radius:15px;overflow:hidden;background:linear-gradient(135deg,#e5f6f2,#f4fbfa)}
.simerp-gain-band>div{padding:18px 22px;text-align:center}
.simerp-gain-band>div+div{border-left:1px solid #cbe4e0}
.simerp-gain-band span{display:block;color:#0d756d;font-size:.7rem;font-weight:900;text-transform:uppercase;letter-spacing:.05em}
.simerp-gain-band strong{display:block;color:#0c8b80;font-size:1.75rem;margin-top:5px}
.simerp-gain-band small{display:block;color:var(--muted);font-size:.67rem}
.simerp-example-note{margin-top:13px!important;font-size:.66rem!important;font-style:italic}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.simerp-resource-layout{padding:0 0 48px}
.simerp-resource-main{max-width:100%}
.simerp-resource-heading{display:flex;flex-wrap:wrap;align-items:flex-start;justify-content:space-between;gap:22px;margin:28px 0 26px}
.simerp-resource-heading h1{margin:0 0 8px;color:var(--navy);font-size:clamp(2rem,5vw,2.65rem);line-height:1.08}
.simerp-resource-heading>p{margin:0;color:var(--muted);max-width:36rem;line-height:1.55}
.simerp-heading-callout{display:flex;align-items:center;gap:14px;padding:16px 18px;border:1px solid var(--line);border-radius:16px;background:#fff;box-shadow:0 8px 24px rgba(13,41,67,.05)}
.simerp-heading-icon{display:flex;align-items:center;justify-content:center;width:44px;height:44px;border-radius:50%;background:#dff4ef;color:var(--teal);font-size:1.2rem;font-weight:900}
.simerp-heading-callout strong{display:block;color:var(--navy);font-size:.95rem}
.simerp-heading-callout span{display:block;margin-top:4px;color:var(--muted);font-size:.82rem}
.pcbp-paystub-panel{padding:26px;border:1px solid var(--line);border-radius:20px;background:#fff;box-shadow:0 12px 30px rgba(13,41,67,.05)}
.pcbp-paystub-header h2{margin:8px 0 10px;color:var(--navy);font-size:clamp(1.35rem,3.5vw,1.85rem);line-height:1.15}
.pcbp-paystub-header>p{margin:0 0 16px;color:var(--muted);line-height:1.55;max-width:52rem}
.pcbp-meta{display:flex;flex-wrap:wrap;gap:10px 18px;color:var(--muted);font-size:.78rem;font-weight:750}
.pcbp-meta span{padding:6px 10px;border-radius:999px;background:var(--mist)}
.pcbp-paystub-layout{display:grid;grid-template-columns:1fr 1fr minmax(240px,.85fr);gap:18px;margin-top:22px;align-items:start}
.pcbp-stub{border:1px solid var(--line);border-radius:16px;background:#fff;overflow:hidden}
.pcbp-stub.after-stub{border-color:rgba(43,143,133,.45);box-shadow:0 0 0 1px rgba(43,143,133,.12)}
.stub-title{display:flex;flex-wrap:wrap;align-items:baseline;justify-content:space-between;gap:8px;padding:14px 16px;background:var(--mist);border-bottom:1px solid var(--line)}
.stub-title strong{color:var(--navy);font-size:.88rem;letter-spacing:.06em}
.stub-title span{color:var(--muted);font-size:.78rem;font-weight:800}
.stub-table-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch}
.pcbp-stub table{width:100%;min-width:320px;border-collapse:collapse;font-size:.78rem;line-height:1.35}
.pcbp-stub th,.pcbp-stub td{padding:8px 10px;text-align:left;border-bottom:1px solid #edf2f4}
.pcbp-stub th{color:var(--muted);font-size:.68rem;text-transform:uppercase;letter-spacing:.04em;font-weight:850}
.pcbp-stub td:last-child,.pcbp-stub th:last-child{text-align:right;font-variant-numeric:tabular-nums}
.pcbp-stub .stub-section td{background:#f7fafb;color:var(--navy);font-weight:850;font-size:.72rem;text-transform:uppercase;letter-spacing:.04em}
.pcbp-stub .stub-total td{background:#f0f6f8;font-weight:900;color:var(--navy)}
.pcbp-stub .stub-net td{background:var(--navy);color:#fff;font-weight:900;border-bottom:0}
.pcbp-stub .stub-net.after-net td{background:var(--teal)}
.pcbp-stub .pcbp-highlight td{background:#edf8f6;font-weight:850;color:#0d5c55}
.stub-foot{display:flex;align-items:center;justify-content:space-between;gap:12px;padding:12px 16px;border-top:1px solid var(--line);background:#fff}
.stub-foot span{color:var(--muted);font-size:.76rem;font-weight:800}
.stub-foot strong{color:var(--navy);font-variant-numeric:tabular-nums}
.pcbp-results{display:grid;gap:16px}
.tax-breakdown,.gain-card{padding:18px;border:1px solid var(--line);border-radius:16px;background:linear-gradient(180deg,#f8fbfc,#fff)}
.results-kicker{font-size:.68rem;font-weight:900;letter-spacing:.08em;text-transform:uppercase;color:var(--teal)}
.tax-breakdown h4{margin:6px 0 14px;color:var(--navy);font-size:1.05rem}
.tax-breakdown>div{display:flex;align-items:baseline;justify-content:space-between;gap:12px;padding:7px 0;border-bottom:1px solid #edf2f4;font-size:.82rem}
.tax-breakdown>div span{color:var(--muted)}
.tax-breakdown>div strong{color:var(--navy);font-variant-numeric:tabular-nums;text-align:right}
.tax-breakdown .results-total{margin-top:6px;padding-top:10px;border-top:2px solid var(--line);font-weight:850}
.tax-breakdown .results-net{margin-top:4px;padding:12px;border-radius:12px;background:#edf8f6;border-bottom:0}
.tax-breakdown .results-net span{color:var(--navy);font-size:.72rem;font-weight:900;letter-spacing:.03em}
.tax-breakdown .results-net strong{color:var(--teal);font-size:1.25rem}
.gain-card{text-align:center}
.gain-card>span{display:block;color:#0d756d;font-size:.72rem;font-weight:900;text-transform:uppercase;letter-spacing:.05em}
.gain-card>strong{display:block;color:var(--teal);font-size:1.85rem;margin-top:6px;font-variant-numeric:tabular-nums}
.gain-card>small{display:block;color:var(--muted);font-size:.72rem;margin-top:4px}
.gain-card hr{border:0;border-top:1px solid var(--line);margin:16px 0}
.pcbp-paystub-note{margin:18px 0 0;color:var(--muted);font-size:.74rem;line-height:1.55;font-style:italic}
.homepage-simple-paycheck{padding:22px!important;width:100%;box-sizing:border-box}
.homepage-simple-paycheck h2{font-size:1.45rem!important}
.homepage-simple-paycheck .simerp-top-metrics{grid-template-columns:repeat(3,1fr)}
.roles{background:linear-gradient(180deg,#f6f9fb 0%,#fff 100%)}
.roles>.container{max-width:1180px}
.irs-review-callout,.compliance-caution{display:grid;gap:8px;margin-top:20px;padding:20px 22px;border-radius:16px}
.irs-review-callout{border:1px solid rgba(43,143,133,.32);background:#edf8f6}
.compliance-caution{border:1px solid rgba(198,161,91,.48);background:#fff9ed}
.irs-review-callout strong,.compliance-caution strong{color:var(--navy);font-family:Manrope,Inter,Arial,sans-serif;font-size:1.05rem}
.irs-review-callout span,.compliance-caution p{display:block;margin:0;color:#435c6d;font-size:.92rem;line-height:1.65}
.role-list{display:grid;gap:24px;margin-top:30px}
.role-item{display:grid;grid-template-columns:minmax(210px,.3fr) minmax(0,.7fr);gap:28px;border:1px solid var(--line);border-radius:20px;background:#fff;padding:28px;box-shadow:0 10px 28px rgba(13,41,67,.045)}
.role-heading{align-self:start;padding-top:2px}
.role-heading h3{margin:0 0 8px;color:var(--navy);font-size:1.4rem}
.role-heading p{margin:0;color:var(--muted);font-size:.9rem;line-height:1.55}
.role-panel{display:block;padding:0;color:var(--ink)}
.role-panel-title{margin:0 0 16px;color:var(--teal);font-size:.74rem;font-weight:900;letter-spacing:.1em;text-transform:uppercase}
.review-stack{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}
.review-detail{border:1px solid var(--line);border-radius:14px;background:#f9fbfc;padding:17px}
.review-detail h4{margin:0 0 9px;color:var(--navy);font-family:Manrope,Inter,Arial,sans-serif;font-size:1rem;line-height:1.3}
.review-detail p{margin:0;color:#435c6d;font-size:.86rem;line-height:1.6}
.review-source{display:block;margin-top:13px;padding-top:11px;border-top:1px solid #e2eaed;color:#5b7080;font-size:.7rem;font-weight:750;line-height:1.45}
.authority-block{margin-top:14px;padding:14px;border-radius:12px;background:#edf6f8}
.authority-label{color:var(--teal);font-size:.68rem;font-weight:900;letter-spacing:.09em;margin-bottom:7px}
.authority-links,.inline-irs-ref{display:flex;flex-wrap:wrap;gap:8px 14px;margin-top:10px}
.authority-links a,.inline-irs-ref a,.role-resource-link{display:inline-flex;align-items:center;min-height:44px;color:#176e68;font-weight:850;text-decoration:underline;text-decoration-thickness:1px;text-underline-offset:3px}
.inline-irs-ref{padding:13px;border-radius:11px;background:#edf6f8}
.inline-irs-ref>span{width:100%;color:var(--navy);font-size:.72rem;font-weight:900;text-transform:uppercase;letter-spacing:.07em}
.inline-irs-ref a{font-size:.8rem}
.verify-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-top:12px}
.verify-grid>div{display:grid;gap:5px;padding:12px;border-radius:11px;background:#fff;border:1px solid var(--line)}
.verify-grid b{color:var(--navy);font-size:.67rem;letter-spacing:.06em}
.verify-grid span{display:block;color:#4d6474;font-size:.78rem;line-height:1.5}
.role-question{margin-top:14px;padding:14px 16px;border-radius:12px;background:var(--navy);color:#fff;font-size:.86rem;line-height:1.55}
.role-question strong{color:#a9ddd7}
.role-resource-link{display:inline-flex;margin-top:16px;font-size:.88rem}
.role-closing{display:grid;gap:5px;margin-top:24px;padding:23px;border-radius:16px;background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff}
.role-closing strong,.role-closing span{display:block}.role-closing strong{font-family:Manrope,Inter,Arial,sans-serif;font-size:1.1rem}.role-closing span{color:#dbe8ef;font-size:.88rem}
@media(max-width:900px){.role-item{grid-template-columns:1fr}.review-stack{grid-template-columns:1fr}}
@media(max-width:620px){.role-item{padding:20px}.irs-review-callout,.compliance-caution{padding:17px}.verify-grid{grid-template-columns:1fr}.authority-links,.inline-irs-ref{display:grid}}
.role-card-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;margin-top:30px}
.role-card{display:flex;flex-direction:column;min-height:250px;padding:24px;border:1px solid var(--line);border-top:4px solid var(--teal);border-radius:18px;background:#fff;color:var(--ink);text-decoration:none;box-shadow:var(--soft-shadow);transition:transform var(--motion) ease,box-shadow var(--motion) ease,border-color var(--motion) ease}
.role-card:nth-child(even){border-top-color:var(--gold)}
.role-card-label{display:block;margin-bottom:16px;color:var(--teal);font-size:.74rem;font-weight:900;letter-spacing:.1em;text-transform:uppercase}
.role-card h3{margin:0 0 10px;color:var(--navy);font-size:1.3rem}
.role-card p{margin:0;color:var(--muted);font-size:.9rem;line-height:1.6}
.role-card-link{display:flex;align-items:center;min-height:44px;margin-top:auto;padding-top:20px;color:#176e68;font-weight:850}
.role-overview-action{display:flex;align-items:center;justify-content:space-between;gap:24px;margin-top:24px;padding:18px 20px;border-radius:14px;background:#edf6f8}
.role-overview-action p{max-width:620px;margin:0;color:#526b7b;font-size:.82rem;line-height:1.5}
.decision-breadcrumb{padding:20px 0 0;font-size:.86rem;color:var(--muted)}
.decision-breadcrumb ol{display:flex;align-items:center;gap:8px;list-style:none;padding:0;margin:0;flex-wrap:wrap}
.decision-breadcrumb li{display:flex;align-items:center;gap:8px}.decision-breadcrumb li+li:before{content:"/";color:#9aacb6}.decision-breadcrumb a{display:inline-flex;align-items:center;min-height:44px;color:var(--teal);font-weight:800}
.decision-hero{padding:56px 0 64px;background:linear-gradient(180deg,#fff 0%,var(--mist) 100%)}
.decision-hero h1{max-width:980px;margin:10px 0 18px;font-size:clamp(2.7rem,5.4vw,4.8rem);line-height:1.02;letter-spacing:-.045em;color:var(--navy)}
.decision-hero p{max-width:790px;color:#526b7b;font-size:1.08rem;line-height:1.7}
.decision-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px;margin-top:28px}
.decision-card{display:flex;flex-direction:column;padding:26px;border:1px solid var(--line);border-radius:18px;background:#fff;box-shadow:var(--soft-shadow)}
.decision-card h2,.decision-card h3{margin:0 0 8px;color:var(--navy);font-size:1.3rem;line-height:1.28;letter-spacing:-.02em;font-weight:850}
.decision-card p{margin:0;color:var(--muted);font-size:.92rem;line-height:1.65}
.decision-card .review-source{margin-top:auto}
.decision-page-callout{margin-top:24px;padding:20px 22px;border:1px solid rgba(198,161,91,.48);border-radius:16px;background:#fff9ed;color:#5f5130;line-height:1.6}
.decision-question{margin-top:24px;padding:22px;border-radius:16px;background:var(--navy);color:#fff}.decision-question strong{display:block;margin-bottom:6px;color:#a9ddd7}
.decision-related{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px;margin-top:24px}.decision-related a{display:flex;align-items:center;min-height:72px;padding:16px 18px;border:1px solid var(--line);border-radius:13px;background:#fff;color:var(--navy);font-weight:850;text-decoration:none}
@media(hover:hover){.role-card:hover{transform:translateY(-2px);border-color:#aacbc8;box-shadow:0 14px 34px rgba(13,41,67,.09)}.decision-related a:hover{text-decoration:underline;text-underline-offset:3px}}
@media(max-width:950px){.role-card-grid{grid-template-columns:1fr 1fr}.decision-related{grid-template-columns:1fr 1fr}}
@media(max-width:700px){.role-card-grid,.decision-grid,.decision-related{grid-template-columns:1fr}.role-overview-action{align-items:flex-start;flex-direction:column}.decision-hero{padding:40px 0 52px}.role-card{min-height:0}}
.resource-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px;margin-top:26px}
.resource-card{display:flex;flex-direction:column;align-items:stretch;text-align:left;min-height:168px;background:white;border:1px solid var(--line);border-radius:16px;padding:20px;color:var(--ink);cursor:pointer;transition:transform var(--motion) ease,box-shadow var(--motion) ease}
.resource-card h3,.resource-card p,.resource-card span{display:block}.resource-card p{color:var(--muted);font-size:.86rem;margin-bottom:14px}.resource-action{margin-top:auto;color:var(--teal);font-weight:850;font-size:.88rem}
.resource-card.unavailable{cursor:not-allowed;background:#f7fafb}.resource-card.unavailable .resource-action{color:#526b7b}.status-icon{margin-right:6px}
.resource-page-hero{padding:56px 0 64px;background:linear-gradient(180deg,#fff 0%,var(--mist) 100%)}
.resource-page-hero h1{max-width:1000px;margin:10px 0 18px;font-size:clamp(2.7rem,5.4vw,4.8rem);line-height:1.02;letter-spacing:-.045em;color:var(--navy)}
.resource-page-hero p{max-width:820px;color:#526b7b;font-size:1.08rem;line-height:1.7}
.resource-content-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px;margin-top:28px}
.resource-info-card{padding:25px;border:1px solid var(--line);border-radius:17px;background:#fff;box-shadow:var(--soft-shadow)}
.resource-info-card h2,.resource-info-card h3{margin:0 0 8px;color:var(--navy);font-size:1.3rem;line-height:1.28;letter-spacing:-.02em;font-weight:850}
.resource-info-card p,.resource-info-card li{color:var(--muted);font-size:.92rem;line-height:1.65}.resource-info-card p:last-child{margin-bottom:0}.resource-info-card ul{margin:0;padding-left:20px}
.resource-answer-list{display:grid;gap:14px;margin-top:28px}.resource-answer{padding:22px 24px;border:1px solid var(--line);border-radius:16px;background:#fff}.resource-answer h2{margin:0 0 9px;font-size:1.2rem;color:var(--navy)}.resource-answer p{margin:0;color:var(--muted);line-height:1.65}
.resource-note{margin-top:24px;padding:18px 20px;border:1px solid rgba(198,161,91,.48);border-radius:15px;background:#fff9ed;color:#5f5130;line-height:1.6}
.resource-stat{display:grid;gap:5px;padding:22px;border-radius:16px;background:var(--navy);color:#fff}.resource-stat strong{font-size:1.8rem}.resource-stat span{color:#dbe8ef}
.resource-link-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px;margin-top:24px}.resource-link-grid a{display:flex;align-items:center;min-height:72px;padding:16px 18px;border:1px solid var(--line);border-radius:13px;background:#fff;color:var(--navy);font-weight:850;text-decoration:none}
@media(max-width:800px){.resource-content-grid,.resource-link-grid{grid-template-columns:1fr}.resource-page-hero{padding:40px 0 52px}}
.cta{background:radial-gradient(circle at 90% 12%,rgba(198,161,91,.18),transparent 28%),linear-gradient(135deg,var(--navy),#174765);color:white}
.cta h2{color:white}.cta>.container>p{color:#dbe8ef;max-width:740px}
.discovery-panel{margin-top:26px;background:white;color:var(--ink);border-radius:20px;padding:26px;max-width:860px}
.discovery-panel-modal{margin-top:0;max-width:none}
.discovery-form-title{margin:0 0 16px;font-size:1.35rem;color:var(--navy)}
.discovery-form-note{margin:0;max-width:52ch;color:var(--muted);line-height:1.5}
.discovery-form-sensitive-note{margin:8px 0 0;max-width:52ch;color:var(--muted);line-height:1.5}
.discovery-form-note a{color:var(--teal);font-weight:800}
.discovery-form-actions{align-items:flex-start;flex-direction:column;gap:12px}
.discovery-modal{position:fixed;inset:0;z-index:120;display:flex;align-items:center;justify-content:center;padding:16px}
.discovery-modal[hidden]{display:none!important}
.discovery-modal-backdrop{position:absolute;inset:0;background:rgba(13,41,67,.58)}
.discovery-modal-panel{position:relative;z-index:1;width:min(100%,640px);max-height:min(92vh,920px);overflow:auto;-webkit-overflow-scrolling:touch;border-radius:20px;box-shadow:var(--shadow)}
.discovery-modal-close{position:absolute;top:10px;right:10px;z-index:2;display:grid;place-items:center;width:44px;height:44px;border:0;border-radius:50%;background:var(--mist);color:var(--navy);font-size:1.6rem;line-height:1;cursor:pointer}
.discovery-modal-lead{margin:0 0 18px;color:var(--muted);font-size:.95rem;line-height:1.5}
body.discovery-modal-open{overflow:hidden;position:fixed;width:100%;left:0;right:0}
.form-summary{display:none;margin-bottom:18px;padding:14px 16px;border-radius:12px;border:1px solid #c15252;background:#fff3f3;color:#7a2020}
.form-summary.show{display:block}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.field{display:grid;gap:7px}.field.full{grid-column:1/-1}
.field label{font-size:.84rem;font-weight:850;color:var(--navy)}
.field input,.field select,.field textarea{width:100%;min-height:48px;padding:12px 13px;border:1px solid var(--line);border-radius:10px;color:var(--ink);background:white}
.field textarea{min-height:112px;resize:vertical}
.field .error{display:none;color:#8b2525;font-size:.8rem;font-weight:700}.field.invalid .error{display:block}.field.invalid input,.field.invalid select,.field.invalid textarea{border-color:#ad3030;box-shadow:0 0 0 3px rgba(173,48,48,.1)}
.schedule-toggle{display:flex;align-items:flex-start;gap:10px;min-height:48px;margin:18px 0;padding:12px;border:1px solid var(--line);border-radius:12px;background:var(--sky)}
.schedule-toggle input{width:20px;height:20px;margin:2px 0 0;accent-color:var(--teal)}
.schedule-fields{display:none;margin-bottom:18px}.schedule-fields.show{display:grid}
.form-actions{display:flex;align-items:center;gap:16px;flex-wrap:wrap;margin-top:20px}
.form-status{display:none;align-items:flex-start;gap:10px;padding:15px 17px;border-radius:12px;margin-top:18px;font-weight:750}
.form-status.show{display:flex}.form-status.loading{background:#f1f7fa;color:var(--navy)}.form-status.success{background:#e9f7f3;color:#175c55}.form-status.failure{background:#fff1f1;color:#7a2020}
.spinner{display:block;flex:none;width:20px;height:20px;border:3px solid rgba(13,41,67,.18);border-top-color:var(--teal);border-radius:50%;animation:spin .8s linear infinite}
@keyframes spin{to{transform:rotate(360deg)}}
.affiliations{background:#fff;padding:48px 0}
.affiliation-row{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:18px;align-items:stretch}
.affiliation-mark{display:flex;align-items:center;justify-content:center;min-height:112px;padding:20px;border:1px solid var(--line);border-radius:18px;background:#fff}
.affiliation-mark.logo-surface img{width:min(310px,90%);height:auto;aspect-ratio:472/99}
.affiliation-mark img{display:block;max-width:90%;max-height:64px;width:auto;height:auto;object-fit:contain}
.affiliation-mark .irongate-logo{aspect-ratio:1500/599}.affiliation-mark .cfn-logo{aspect-ratio:1250/323}.affiliation-mark .massmutual-logo{aspect-ratio:232/44}
.wordmark{display:grid;gap:4px;text-align:center;color:var(--navy)}.wordmark strong,.wordmark span{display:block}.wordmark strong{font-family:Manrope,Inter,Arial,sans-serif;font-size:1.5rem}.wordmark span{font-size:.78rem;color:var(--muted)}
.site-footer{background:var(--footer);color:#c9d6de;padding:42px 0}
.footer-grid{display:grid;grid-template-columns:1.2fr .8fr .8fr;gap:30px}
.footer-logo{display:inline-flex;padding:9px 12px;border-radius:12px;background:white;margin-bottom:18px}
.footer-logo img{width:230px;height:auto;aspect-ratio:472/99}
.site-footer h3{color:white}.site-footer p,.site-footer a{font-size:.84rem;color:#c9d6de}.site-footer a{text-decoration:underline;text-decoration-color:transparent;text-underline-offset:3px}
.disclaimer{margin-top:28px;padding-top:22px;border-top:1px solid rgba(255,255,255,.12);font-size:.76rem;color:#aebdc6;max-width:1060px}
@media (hover:hover){
  .btn-primary:hover{background:#247e75;transform:translateY(-1px)}.btn-secondary:hover{border-color:var(--teal);color:var(--teal)}
  .nav-links a:not(.btn):hover,.site-footer a:hover{color:var(--teal)}
  .resource-card:not(.unavailable):hover{transform:translateY(-2px);box-shadow:0 10px 25px rgba(13,41,67,.07)}
  .who-card:hover{border-color:#aacbc8}
}
@media(max-width:1024px){
  .nav-links a:not(.btn){display:none}.mobile-toggle{display:flex}
  .hero-grid,.split,.split.reverse,.care-top,.savings-grid{grid-template-columns:1fr}
  .hero-copy{max-width:820px}.hero-media{max-width:720px;margin-inline:auto}
  .hero-media img{aspect-ratio:16/10;object-position:center 28%}
  .metrics{grid-template-columns:1fr 1fr}.card-grid.four{grid-template-columns:1fr 1fr}
  .resource-grid,.affiliation-row{grid-template-columns:1fr 1fr}.footer-grid{grid-template-columns:1fr 1fr}.footer-brand{grid-column:1/-1}
}
@media(max-width:900px){
  .savings-clean-grid{grid-template-columns:1fr}
  .process-heading{grid-template-columns:1fr;gap:16px;align-items:start}
  .program-process-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:768px){
  .nav-links .nav-cta{display:none}.brand img{width:184px}
  .hero{padding-top:58px}.savings-bubble{left:12px;right:12px;bottom:14px}
  .card-grid,.card-grid.two,.fit-grid,.affiliation-row{grid-template-columns:1fr}
  .card-grid.four{grid-template-columns:1fr 1fr}.resource-grid{grid-template-columns:1fr}
  .paycheck-grid{grid-template-columns:1fr}.paycheck-arrow{transform:rotate(90deg)}
}
@media(max-width:700px){
  .simerp-top-metrics,.homepage-simple-paycheck .simerp-top-metrics{grid-template-columns:1fr}
  .simerp-net-compare{grid-template-columns:1fr}.simerp-arrow{transform:rotate(90deg)}
  .simerp-gain-band{grid-template-columns:1fr}.simerp-gain-band>div+div{border-left:0;border-top:1px solid #cbe4e0}
  .pcbp-paystub-layout{grid-template-columns:1fr}
  .simerp-resource-heading{flex-direction:column}
}
@media(max-width:620px){
  :root{--header-h:72px}.container{width:min(100% - 32px,1180px)}.section,.care,.savings-clean,.process{padding:66px 0}
  .program-process{padding:20px}
  .program-process-grid{grid-template-columns:1fr}
  .program-step{padding:20px}
  h1{font-size:clamp(2.45rem,13vw,3.5rem)}h2{font-size:clamp(2rem,10vw,2.8rem)}
  .brand img{width:166px}.hero{padding:48px 0 42px}.hero-grid{gap:40px}
  .hero p{font-size:1.03rem}.hero-actions{display:grid}.hero-actions .btn{width:100%}
  .hero-media img{aspect-ratio:4/3}.metrics,.card-grid.four{grid-template-columns:1fr}
  .savings-bubble{position:relative;left:auto;right:auto;bottom:auto;margin:-34px 14px 0}
  .card,.care-summary,.fit-card,.who-card,.who-panel,.calc,.paycheck,.discovery-panel{padding:22px}
  .benefit-access-grid{grid-template-columns:1fr}.benefit-access-card{padding:15px}
  .form-grid{grid-template-columns:1fr}.field.full{grid-column:auto}.footer-grid{grid-template-columns:1fr}.footer-brand{grid-column:auto}
  .calc-row{align-items:flex-start}.calc-row strong{text-align:right}.affiliation-mark{min-height:96px}
}
@media(max-width:560px){
  .employee-number-wrap{align-items:stretch;flex-direction:column;gap:10px}
  .calc input.employee-number-input[type=number]{width:100%;flex-basis:auto;text-align:left}
}
@media(max-width:390px){
  .container{width:calc(100% - 28px)}.brand img{width:154px}.mobile-toggle{width:44px;height:44px}
  .hero-media:before{top:-10px;right:14px;bottom:18px;left:-10px}.hero-media img{border-radius:22px}
  .savings-bubble strong{font-size:1.7rem}.metrics{margin-top:28px}.metric{min-height:108px}
  .btn{width:100%}.form-actions .btn{width:100%}.resource-card{min-height:154px}
}
@media(prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}*,*:before,*:after{animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important}
}

/* Handoff styles scoped to new homepage markup only */
.fit-card h4{margin:0;color:var(--navy);font-size:1.06rem}
.life-addon-note{display:grid;grid-template-columns:.8fr 1.4fr;gap:28px;align-items:center;margin-top:20px;padding:23px 25px;border-radius:19px;background:#fffaf0;border:1px solid rgba(198,161,91,.35)}
.life-addon-note h3{color:var(--navy);margin:0 0 10px}
.life-addon-note p{margin:0;color:var(--muted);line-height:1.6}
#program-detail .life-addon-note{width:100%;max-width:100%;margin-left:auto;margin-right:auto;box-sizing:border-box}
@media(max-width:900px){.life-addon-note{grid-template-columns:1fr}}