.hl-banner-section {
    padding: 12px 28px 0;
}
.hl-banner-inner {
    max-width: var(--max-w);
    margin: 0 auto;
}
.hl-banner {
    display: flex;
    align-items: center;
    gap: 16px;
    background: var(--surface);
    border: 1px solid var(--border-soft);
    border-left: 4px solid var(--accent);
    border-radius: var(--radius-lg);
    padding: 16px 20px;
    box-shadow: var(--shadow-sm);
    transition: border-color 0.2s ease, background 0.2s ease;
}
.hl-banner.tier-pre {
    border-left-color: var(--accent);
    background: linear-gradient(90deg, var(--blue-bg) 0%, var(--surface) 60%);
}
.hl-banner.tier-open {
    border-left-color: var(--green);
    background: linear-gradient(90deg, var(--green-bg) 0%, var(--surface) 60%);
}
.hl-banner.tier-deadline {
    border-left-color: #FF9500;
    background: linear-gradient(90deg, rgba(255,149,0,0.12) 0%, var(--surface) 60%);
}
.hl-banner.tier-closed {
    border-left-color: var(--text-3);
}
.hl-banner-icon {
    font-size: 28px;
    flex-shrink: 0;
}
.hl-banner-text {
    flex: 1;
    min-width: 0;
}
.hl-banner-headline {
    font-family: var(--font-display);
    font-size: clamp(16px, 2vw, 20px);
    line-height: 1.25;
    color: var(--text);
    letter-spacing: -0.2px;
    margin-bottom: 2px;
}
.hl-banner-sub {
    font-size: 13px;
    color: var(--text-2);
    line-height: 1.45;
}
.hl-banner-cta {
    flex-shrink: 0;
    background: var(--accent);
    color: #fff;
    padding: 10px 18px;
    border-radius: var(--radius-pill);
    font-size: 14px;
    font-weight: 600;
    text-decoration: none;
    white-space: nowrap;
    transition: background 0.15s ease;
}
.hl-banner-cta:hover {
    background: var(--accent-hover);
    text-decoration: none;
    color: #fff;
}
.hl-hero {
    padding: 32px 28px 16px;
}
.hl-hero-inner {
    max-width: var(--max-w);
    margin: 0 auto;
}
.hl-hero-inner .eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-size: 11px;
    font-weight: 600;
    letter-spacing: 0.10em;
    text-transform: uppercase;
    color: var(--accent);
    margin-bottom: 8px;
}
.eyebrow-dot {
    width: 7px;
    height: 7px;
    border-radius: 50%;
    background: var(--accent);
    box-shadow: 0 0 0 4px rgba(0,113,227,0.15);
    animation: hl-pulse 2.4s ease-in-out infinite;
}
@keyframes hl-pulse {
    0%, 100% {
        opacity: 1;
        transform: scale(1);
    }
    50% {
        opacity: 0.6;
        transform: scale(0.85);
    }
}
.hl-hero-inner h1 {
    font-family: var(--font-display);
    font-size: clamp(30px, 4.5vw, 46px);
    line-height: 1.1;
    letter-spacing: -0.4px;
    color: var(--text);
}
.hl-hero-inner h1 .accent {
    color: var(--accent);
}
.hl-sub {
    font-size: 15px;
    color: var(--text-2);
    max-width: 680px;
    line-height: 1.65;
    margin-top: 12px;
}
.hl-picker-section {
    padding: 16px 28px 32px;
}
.hl-picker-inner {
    max-width: var(--max-w);
    margin: 0 auto;
}
.hl-picker-title {
    font-family: var(--font-display);
    font-size: clamp(20px, 2.6vw, 26px);
    line-height: 1.2;
    letter-spacing: -0.3px;
    color: var(--text);
    margin-bottom: 14px;
}
.hl-picker {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 12px;
    margin-bottom: 24px;
}
.hl-picker-card {
    font-family: var(--font-ui);
    background: var(--surface);
    border: 1px solid var(--border-soft);
    border-radius: var(--radius-lg);
    padding: 20px 22px;
    cursor: pointer;
    text-align: left;
    display: flex;
    flex-direction: column;
    gap: 6px;
    transition: border-color 0.15s ease, box-shadow 0.15s ease, transform 0.15s ease;
    position: relative;
}
.hl-picker-card:hover {
    border-color: var(--accent);
    box-shadow: var(--shadow-sm);
    transform: translateY(-1px);
}
.hl-picker-card[aria-selected="true"] {
    border-color: var(--accent);
    background: var(--blue-bg);
    box-shadow: 0 0 0 3px rgba(0,113,227,0.10);
}
.hl-picker-card[aria-selected="true"]::after {
    content: "";
    position: absolute;
    bottom: -16px;
    left: 50%;
    transform: translateX(-50%);
    width: 0;
    height: 0;
    border-left: 10px solid transparent;
    border-right: 10px solid transparent;
    border-top: 10px solid var(--accent);
    z-index: 2;
}
.hl-picker-card[aria-selected="true"]::before {
    content: "";
    position: absolute;
    bottom: -15px;
    left: 50%;
    transform: translateX(-50%);
    width: 0;
    height: 0;
    border-left: 9px solid transparent;
    border-right: 9px solid transparent;
    border-top: 9px solid var(--blue-bg);
    z-index: 3;
}
.hl-picker-icon {
    font-size: 28px;
    line-height: 1;
    margin-bottom: 4px;
}
.hl-picker-title-sm {
    font-size: 16px;
    font-weight: 600;
    color: var(--text);
    letter-spacing: -0.2px;
}
.hl-picker-card[aria-selected="true"] .hl-picker-title-sm {
    color: var(--accent);
}
.hl-picker-desc {
    font-size: 13px;
    color: var(--text-2);
    line-height: 1.45;
}
.hl-tool-panel {
    background: var(--surface);
    border: 1px solid var(--border-soft);
    border-radius: var(--radius-lg);
    padding: 28px;
    box-shadow: var(--shadow-sm);
    animation: hl-fade-in 0.25s ease;
}
@keyframes hl-fade-in {
    from {
        opacity: 0;
        transform: translateY(4px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}
.hl-tool-header {
    margin-bottom: 20px;
}
.hl-tool-header h3 {
    font-family: var(--font-display);
    font-size: clamp(20px, 2.4vw, 26px);
    line-height: 1.2;
    letter-spacing: -0.3px;
    color: var(--text);
    margin-bottom: 6px;
}
.hl-tool-header p {
    font-size: 14px;
    color: var(--text-2);
    line-height: 1.55;
    max-width: 680px;
}
.hl-calc-inputs {
    display: grid;
    grid-template-columns: 0.7fr 1.2fr 0.8fr auto;
    gap: 12px;
    align-items: end;
    margin-bottom: 12px;
}
.hl-field {
    display: flex;
    flex-direction: column;
    gap: 6px;
}
.hl-field label {
    font-size: 12px;
    font-weight: 600;
    color: var(--text);
    letter-spacing: -0.1px;
    text-transform: uppercase;
    letter-spacing: 0.04em;
}
.hl-field input {
    font-family: var(--font-ui);
    font-size: 16px;
    color: var(--text);
    background: var(--bg);
    border: 1px solid var(--border);
    border-radius: var(--radius-sm);
    padding: 11px 14px;
    width: 100%;
    transition: border-color 0.15s ease, box-shadow 0.15s ease;
    -webkit-appearance: none;
    appearance: none;
}
.hl-field input:focus {
    outline: none;
    border-color: var(--accent);
    box-shadow: 0 0 0 3px rgba(0,113,227,0.15);
}
.hl-input-prefix {
    position: relative;
    display: flex;
    align-items: center;
}
.hl-input-prefix span {
    position: absolute;
    left: 14px;
    color: var(--text-2);
    font-size: 16px;
    font-weight: 500;
    pointer-events: none;
}
.hl-input-prefix input {
    padding-left: 26px;
}
.hl-calc-btn {
    font-family: var(--font-ui);
    font-size: 14px;
    font-weight: 600;
    color: #fff;
    background: var(--accent);
    border: none;
    border-radius: var(--radius-pill);
    padding: 11px 22px;
    cursor: pointer;
    white-space: nowrap;
    height: 42px;
    transition: background 0.15s ease, transform 0.15s ease;
}
.hl-calc-btn:hover {
    background: var(--accent-hover);
}
.hl-calc-btn:active {
    transform: scale(0.98);
}
.hl-calc-help {
    font-size: 12px;
    color: var(--text-2);
    line-height: 1.55;
    background: var(--bg);
    border-radius: var(--radius-sm);
    padding: 10px 14px;
    margin-bottom: 18px;
}
.hl-calc-help strong {
    color: var(--text);
    font-weight: 600;
}
.hl-result-card {
    background: var(--bg);
    border: 1px solid var(--border-soft);
    border-radius: var(--radius-md);
    padding: 22px 24px;
    margin-bottom: 14px;
}
.hl-result-eyebrow {
    font-size: 11px;
    font-weight: 600;
    letter-spacing: 0.10em;
    text-transform: uppercase;
    color: var(--accent);
    margin-bottom: 6px;
}
.hl-result-headline {
    font-family: var(--font-display);
    font-size: clamp(22px, 3vw, 30px);
    line-height: 1.15;
    color: var(--text);
    letter-spacing: -0.3px;
    margin-bottom: 16px;
}
.hl-result-headline .hl-amount {
    color: var(--accent);
}
.hl-result-breakdown {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(140px, 1fr));
    gap: 10px;
    margin-bottom: 16px;
}
.hl-breakdown-cell {
    background: var(--surface);
    border: 1px solid var(--border-soft);
    border-radius: var(--radius-sm);
    padding: 10px 12px;
}
.hl-breakdown-label {
    font-size: 10px;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.06em;
    color: var(--text-2);
    margin-bottom: 4px;
}
.hl-breakdown-value {
    font-size: 17px;
    font-weight: 600;
    color: var(--text);
}
.hl-result-bar {
    margin-bottom: 14px;
}
.hl-result-bar-track {
    height: 10px;
    background: var(--border-soft);
    border-radius: 100px;
    overflow: hidden;
    margin-bottom: 6px;
}
.hl-result-bar-fill {
    height: 100%;
    background: var(--accent);
    border-radius: 100px;
    transition: width 0.5s ease;
    width: 0%;
}
.hl-result-bar-labels {
    display: flex;
    justify-content: space-between;
    font-size: 11px;
    font-weight: 500;
    color: var(--text-2);
}
.hl-result-note {
    font-size: 13px;
    color: var(--text-2);
    line-height: 1.55;
    padding-top: 12px;
    border-top: 1px solid var(--border-soft);
}
.hl-result-card.tier-medicaid {
    background: var(--green-bg);
    border-color: var(--green-border);
}
.hl-result-card.tier-gap {
    background: var(--red-bg);
    border-color: var(--red-border);
}
.hl-result-card.tier-cliff {
    background: rgba(255,149,0,0.10);
    border-color: rgba(255,149,0,0.30);
}
.hl-disclaimer {
    font-size: 12px;
    color: var(--text-2);
    line-height: 1.55;
    font-style: italic;
}
.hl-quiz {
    display: flex;
    flex-direction: column;
    gap: 0;
}
.hl-quiz-step {
    border: none;
    padding: 0;
    margin: 0;
}
.hl-quiz-step + .hl-quiz-step {
    margin-top: 22px;
    padding-top: 22px;
    border-top: 1px solid var(--border-soft);
}
.hl-quiz-step legend {
    font-size: 14px;
    font-weight: 600;
    color: var(--text);
    margin-bottom: 12px;
    padding: 0;
}
.hl-quiz-options {
    display: flex;
    flex-direction: column;
    gap: 8px;
}
.hl-quiz-option {
    font-family: var(--font-ui);
    font-size: 14px;
    font-weight: 500;
    color: var(--text);
    background: var(--bg);
    border: 1px solid var(--border);
    border-radius: var(--radius-md);
    padding: 12px 16px;
    cursor: pointer;
    text-align: left;
    width: 100%;
    display: flex;
    align-items: center;
    gap: 10px;
    transition: border-color 0.15s ease, background 0.15s ease;
}
.hl-quiz-option:hover {
    border-color: var(--accent);
    background: var(--blue-bg);
}
.hl-quiz-option::before {
    content: "";
    flex-shrink: 0;
    width: 16px;
    height: 16px;
    border-radius: 50%;
    border: 2px solid var(--border);
    background: var(--bg);
    transition: border-color 0.15s ease, background 0.15s ease;
}
.hl-quiz-option.selected {
    border-color: var(--accent);
    background: var(--blue-bg);
    color: var(--accent);
    font-weight: 600;
}
.hl-quiz-option.selected::before {
    border-color: var(--accent);
    background: var(--accent);
    box-shadow: inset 0 0 0 3px var(--blue-bg);
}
.hl-quiz-result {
    margin-top: 22px;
    padding: 20px 22px;
    border-radius: var(--radius-md);
    font-size: 14px;
    line-height: 1.6;
    animation: hl-fade-in 0.3s ease;
}
.hl-quiz-result h4 {
    font-family: var(--font-display);
    font-size: 20px;
    margin-bottom: 8px;
    letter-spacing: -0.2px;
}
.hl-quiz-result.tier-eligible {
    background: var(--green-bg);
    border: 1px solid var(--green-border);
    color: var(--text);
}
.hl-quiz-result.tier-eligible h4 {
    color: var(--green-text);
}
.hl-quiz-result.tier-maybe {
    background: var(--blue-bg);
    border: 1px solid var(--blue-border);
    color: var(--text);
}
.hl-quiz-result.tier-gap {
    background: var(--red-bg);
    border: 1px solid var(--red-border);
    color: var(--text);
}
.hl-quiz-result.tier-gap h4 {
    color: var(--red-text);
}
.hl-quiz-result a {
    color: var(--accent);
    font-weight: 500;
}
.hl-events-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
    gap: 12px;
    margin-bottom: 16px;
}
.hl-event-card {
    font-family: var(--font-ui);
    background: var(--bg);
    border: 1px solid var(--border-soft);
    border-radius: var(--radius-md);
    padding: 16px 18px;
    cursor: pointer;
    text-align: left;
    transition: border-color 0.15s ease, background 0.15s ease;
    display: flex;
    flex-direction: column;
    gap: 4px;
}
.hl-event-card:hover {
    border-color: var(--accent);
    background: var(--blue-bg);
}
.hl-event-card.selected {
    border-color: var(--accent);
    background: var(--blue-bg);
}
.hl-event-icon {
    font-size: 22px;
    margin-bottom: 4px;
}
.hl-event-title {
    font-size: 14px;
    font-weight: 600;
    color: var(--text);
    line-height: 1.3;
}
.hl-event-sub {
    font-size: 12px;
    color: var(--text-2);
    line-height: 1.45;
}
.hl-event-detail {
    background: var(--blue-bg);
    border: 1px solid var(--blue-border);
    border-radius: var(--radius-md);
    padding: 18px 22px;
    animation: hl-fade-in 0.25s ease;
}
.hl-event-detail h4 {
    font-family: var(--font-display);
    font-size: 19px;
    color: var(--text);
    margin-bottom: 8px;
    letter-spacing: -0.2px;
}
.hl-event-detail p {
    font-size: 14px;
    color: var(--text);
    line-height: 1.6;
    margin-bottom: 8px;
}
.hl-event-detail p:last-child {
    margin-bottom: 0;
}
.hl-event-detail strong {
    color: var(--accent);
}
.hl-section {
    padding: 32px 28px;
}
.hl-section--alt {
    background: var(--surface);
    border-top: 1px solid var(--border-soft);
    border-bottom: 1px solid var(--border-soft);
}
.hl-section-inner {
    max-width: var(--max-w);
    margin: 0 auto;
}
.hl-section-title {
    font-family: var(--font-display);
    font-size: clamp(22px, 3vw, 30px);
    line-height: 1.2;
    letter-spacing: -0.3px;
    color: var(--text);
    margin-bottom: 8px;
}
.hl-section-lede {
    font-size: 15px;
    color: var(--text-2);
    line-height: 1.6;
    max-width: 720px;
    margin-bottom: 24px;
}
.hl-faq {
    display: flex;
    flex-direction: column;
    gap: 8px;
}
.hl-faq-item {
    background: var(--bg);
    border: 1px solid var(--border-soft);
    border-radius: var(--radius-md);
    overflow: hidden;
    transition: border-color 0.15s ease;
}
.hl-faq-item[open] {
    border-color: var(--accent);
}
.hl-faq-item summary {
    font-size: 15px;
    font-weight: 600;
    color: var(--text);
    padding: 14px 18px;
    cursor: pointer;
    list-style: none;
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 12px;
}
.hl-faq-item summary::-webkit-details-marker {
    display: none;
}
.hl-faq-item summary::after {
    content: "+";
    font-size: 22px;
    font-weight: 400;
    color: var(--text-3);
    line-height: 1;
    transition: transform 0.2s ease, color 0.15s ease;
    flex-shrink: 0;
}
.hl-faq-item[open] summary::after {
    transform: rotate(45deg);
    color: var(--accent);
}
.hl-faq-body {
    padding: 0 18px 16px;
}
.hl-faq-body p {
    font-size: 14px;
    color: var(--text-2);
    line-height: 1.65;
    max-width: 720px;
}
.hl-faq-body p strong {
    color: var(--text);
    font-weight: 600;
}
.hl-glossary {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 8px;
}
.hl-term {
    background: var(--bg);
    border: 1px solid var(--border-soft);
    border-radius: var(--radius-md);
    padding: 12px 16px;
    cursor: pointer;
    text-align: left;
    width: 100%;
    font-family: var(--font-ui);
    transition: border-color 0.15s ease;
}
.hl-term:hover {
    border-color: var(--accent);
}
.hl-term-label {
    font-size: 14px;
    font-weight: 600;
    color: var(--text);
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 8px;
}
.hl-term-toggle {
    font-size: 18px;
    color: var(--text-3);
    line-height: 1;
    transition: transform 0.2s ease, color 0.15s ease;
    flex-shrink: 0;
}
.hl-term.open .hl-term-toggle {
    transform: rotate(45deg);
    color: var(--accent);
}
.hl-term-def {
    font-size: 13px;
    color: var(--text-2);
    line-height: 1.55;
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.25s ease, margin-top 0.2s ease;
    text-align: left;
}
.hl-term.open .hl-term-def {
    max-height: 240px;
    margin-top: 6px;
}
.hl-local-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
    gap: 14px;
}
.hl-local-card {
    background: var(--bg);
    border: 1px solid var(--border-soft);
    border-radius: var(--radius-md);
    padding: 18px 20px;
}
.hl-local-card h3 {
    font-family: var(--font-display);
    font-size: 18px;
    color: var(--text);
    margin-bottom: 6px;
    letter-spacing: -0.2px;
}
.hl-local-desc {
    font-size: 13px;
    color: var(--text-2);
    line-height: 1.5;
    margin-bottom: 10px;
}
.hl-local-phone {
    display: inline-block;
    font-size: 18px;
    font-weight: 600;
    color: var(--accent);
    text-decoration: none;
    letter-spacing: -0.2px;
    margin-bottom: 4px;
}
.hl-local-phone:hover {
    text-decoration: underline;
}
.hl-local-extra {
    font-size: 12px;
    color: var(--text-2);
    line-height: 1.45;
}
.hl-steps {
    list-style: none;
    padding: 0;
    margin: 0 0 24px;
    display: flex;
    flex-direction: column;
    gap: 10px;
}
.hl-steps li {
    display: flex;
    gap: 14px;
    align-items: flex-start;
    background: var(--bg);
    border: 1px solid var(--border-soft);
    border-radius: var(--radius-md);
    padding: 14px 18px;
}
.hl-step-num {
    flex-shrink: 0;
    width: 30px;
    height: 30px;
    border-radius: 50%;
    background: var(--accent);
    color: #fff;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 14px;
    font-weight: 600;
}
.hl-steps strong {
    display: block;
    font-size: 15px;
    color: var(--text);
    margin-bottom: 2px;
}
.hl-steps p {
    font-size: 13px;
    color: var(--text-2);
    line-height: 1.55;
    margin: 0;
}
.hl-cta-row {
    display: flex;
    gap: 12px;
    flex-wrap: wrap;
}
.hl-cta {
    display: inline-block;
    padding: 12px 22px;
    border-radius: var(--radius-pill);
    font-size: 14px;
    font-weight: 600;
    text-decoration: none;
    transition: background 0.15s ease, border-color 0.15s ease;
}
.hl-cta--primary {
    background: var(--accent);
    color: #fff;
}
.hl-cta--primary:hover {
    background: var(--accent-hover);
    text-decoration: none;
    color: #fff;
}
.hl-cta--secondary {
    background: var(--surface);
    color: var(--text);
    border: 1px solid var(--border);
}
.hl-cta--secondary:hover {
    border-color: var(--accent);
    color: var(--accent);
    text-decoration: none;
}
.hl-section p {
    font-size: 14px;
    color: var(--text-2);
    line-height: 1.65;
    max-width: 720px;
}
.hl-sources {
    list-style: disc;
    padding-left: 20px;
    margin: 12px 0;
}
.hl-sources li {
    font-size: 13px;
    color: var(--text-2);
    line-height: 1.6;
    margin-bottom: 4px;
}
@media (max-width: 860px) {
    .hl-picker {
        grid-template-columns: 1fr;
        gap: 10px;
    }
    .hl-picker-card[aria-selected="true"]::after,
    .hl-picker-card[aria-selected="true"]::before {
        display: none;
    }
    .hl-calc-inputs {
        grid-template-columns: 1fr 1fr;
    }
    .hl-calc-btn {
        grid-column: 1 / -1;
    }
}
@media (max-width: 760px) {
    .hl-banner {
        flex-wrap: wrap;
    }
    .hl-banner-cta {
        width: 100%;
        text-align: center;
    }
    .hl-banner-section {
        padding: 12px 20px 0;
    }
    .hl-hero {
        padding: 24px 20px 12px;
    }
    .hl-picker-section {
        padding: 12px 20px 24px;
    }
    .hl-tool-panel {
        padding: 20px;
    }
    .hl-section {
        padding: 24px 20px;
    }
    .hl-cta-row {
        flex-direction: column;
    }
    .hl-cta {
        text-align: center;
    }
}
@media (max-width: 480px) {
    .hl-calc-inputs {
        grid-template-columns: 1fr;
    }
}