/* Insurer Scorecard — design system (locked per FRONTEND.md)
   Data-journalism scorecard: restraint, whitespace, huge tabular numbers.
   One accent (#E4572E). Hairline dividers. No shadows, no gradients. */

:root {
  --bg: #FAFAF7;
  --ink: #15171C;
  --muted: #6B7280;
  --hair: #E5E5E0;
  --raised: #FFFFFF;
  --accent: #E4572E;
  --accent-soft: rgba(228, 87, 46, 0.08);
  --hover: rgba(21, 23, 28, 0.045);
  /* Categorical palette (Okabe-Ito derived, colorblind-safe). Slot-stable:
     same insurer keeps its hue across chart lines, cards, table dots. */
  --c1: #0072B2; /* blue        */
  --c2: #009E73; /* green       */
  --c3: #E69F00; /* amber       */
  --c4: #CC79A7; /* pink        */
  --c5: #5C6672; /* slate       */
  --font-ui: 'IBM Plex Sans', system-ui, -apple-system, 'Segoe UI', sans-serif;
  --font-mono: 'IBM Plex Mono', ui-monospace, 'SF Mono', Menlo, Consolas, monospace;
  --s1: 8px; --s2: 16px; --s3: 24px; --s4: 32px; --s5: 40px; --s6: 48px; --s8: 64px;
}

@media (prefers-color-scheme: dark) {
  :root {
    --bg: #101216;
    --ink: #EDEEF0;
    --muted: #9CA3AF; /* spec left dark muted open; adopted from G2 proposal for AA contrast */
    --hair: #23262C;
    --raised: #171A20;
    --hover: rgba(237, 238, 240, 0.05);
    --c1: #6FB9E8;
    --c2: #4CC79A;
    --c3: #E8BC4B;
    --c4: #D8A3C9;
    --c5: #9AA3B2;
  }
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }

body {
  margin: 0;
  background: var(--bg);
  color: var(--ink);
  font-family: var(--font-ui);
  font-size: 15px;
  line-height: 1.5;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

.mono, .num, code { font-family: var(--font-mono); font-variant-numeric: tabular-nums; }

.wrap { max-width: 1080px; margin: 0 auto; padding: 0 var(--s2); }
@media (min-width: 760px) { .wrap { padding: 0 var(--s3); } }

a { color: inherit; }
a:hover { color: var(--accent); }

:focus-visible { outline: 2px solid var(--accent); outline-offset: 2px; border-radius: 2px; }

.skip {
  position: absolute; left: -9999px; top: 0; background: var(--bg); color: var(--ink);
  padding: var(--s1) var(--s2); z-index: 40; border-bottom: 1px solid var(--hair);
}
.skip:focus { left: 0; }

/* ---------- masthead ---------- */
.top {
  border-bottom: 1px solid var(--hair);
}
.top .wrap {
  display: flex; align-items: baseline; justify-content: space-between;
  gap: var(--s3); padding-top: var(--s2); padding-bottom: var(--s2);
}
.wordmark { font-weight: 600; font-size: 15px; text-decoration: none; letter-spacing: 0.01em; }
.wordmark .tick { color: var(--accent); }
.top nav { display: flex; gap: var(--s3); font-size: 13.5px; }
.top nav a { text-decoration: none; color: var(--muted); }
.top nav a:hover { color: var(--ink); }

/* ---------- hero ---------- */
.hero .wrap { padding-top: var(--s8); padding-bottom: var(--s5); }
@media (max-width: 759px) { .hero .wrap { padding-top: var(--s6); padding-bottom: var(--s4); } }

.eyebrow {
  font-family: var(--font-mono); font-size: 11.5px; letter-spacing: 0.16em;
  text-transform: uppercase; color: var(--muted); margin: 0 0 var(--s3);
}

.hero h1 { margin: 0; font-weight: 400; }

.hero-num {
  display: block;
  font-family: var(--font-mono); font-variant-numeric: tabular-nums;
  font-weight: 500; font-size: clamp(64px, 12vw, 128px);
  line-height: 0.95; letter-spacing: -0.02em; color: var(--accent);
}

.hero-sentence {
  display: block; max-width: 40em;
  font-size: clamp(17px, 2.4vw, 20px); line-height: 1.45;
  margin-top: var(--s3); color: var(--ink);
}
.hero-sentence .dim-phrase { border-bottom: 1px solid var(--hair); }

.substats {
  list-style: none; display: flex; flex-wrap: wrap; gap: var(--s1) 0;
  margin: var(--s3) 0 0; padding: 0;
  font-family: var(--font-mono); font-size: 12.5px; color: var(--muted);
}
.substats li { display: flex; align-items: baseline; white-space: nowrap; }
.substats li + li::before { content: '·'; margin: 0 10px; color: var(--hair); }

.note {
  font-size: 13px; color: var(--muted); border-left: 2px solid var(--hair);
  padding-left: var(--s2); margin: var(--s2) 0;
}

/* ---------- sections ---------- */
section { border-top: 1px solid var(--hair); }
section .wrap { padding-top: var(--s5); padding-bottom: var(--s5); }
.sec-head { display: flex; flex-wrap: wrap; align-items: baseline; gap: var(--s1) var(--s3); margin-bottom: var(--s3); }
h2 { font-size: 15px; font-weight: 600; letter-spacing: 0.02em; margin: 0; text-transform: uppercase; }
.sec-note { font-size: 13px; color: var(--muted); margin: 0; }
.sec-note strong { color: var(--ink); font-weight: 500; }

/* ---------- filters ---------- */
.filters-grid { display: grid; gap: var(--s3) var(--s5); grid-template-columns: 1fr; }
@media (min-width: 900px) {
  .filters-grid { grid-template-columns: 260px 1fr 1fr; }
}
.f-group > .f-label {
  font-family: var(--font-mono); font-size: 11px; letter-spacing: 0.12em;
  text-transform: uppercase; color: var(--muted); display: block; margin-bottom: var(--s1);
}

.chips { display: flex; flex-wrap: wrap; gap: var(--s1); }
.chip {
  font-family: var(--font-ui); font-size: 13px; color: var(--ink);
  background: transparent; border: 1px solid var(--hair); border-radius: 999px;
  padding: 5px 12px; cursor: pointer; transition: border-color 120ms, color 120ms;
  white-space: nowrap; line-height: 1.4;
}
.chip:hover { border-color: var(--ink); }
.chip[aria-pressed="true"] {
  border-color: var(--accent); color: var(--accent); background: var(--accent-soft);
}
.chip .n { font-family: var(--font-mono); font-size: 11.5px; color: var(--muted); margin-left: 7px; }
.chip[aria-pressed="true"] .n { color: var(--accent); }
.chip.clear { border-style: dashed; }
.clear-row { margin: var(--s2) 0 0; }

/* combobox (county select / insurer picker share this) */
.combo { position: relative; }
.combo-btn {
  display: flex; justify-content: space-between; align-items: center; gap: var(--s2);
  width: 100%; font-family: var(--font-ui); font-size: 13.5px; color: var(--ink);
  background: transparent; border: 1px solid var(--hair); border-radius: 8px;
  padding: 8px 12px; cursor: pointer; text-align: left; transition: border-color 120ms;
}
.combo-btn:hover { border-color: var(--ink); }
.combo-btn .caret { color: var(--muted); font-size: 11px; }
.combo-btn.is-set { border-color: var(--accent); color: var(--accent); background: var(--accent-soft); }
.combo-panel[hidden] { display: none !important; }
.combo-panel {
  position: absolute; z-index: 30; top: calc(100% + 6px); left: 0; min-width: min(320px, 92vw);
  background: var(--raised); border: 1px solid var(--hair); border-radius: 10px;
  padding: var(--s1); display: grid; gap: var(--s1);
}
.combo-search {
  width: 100%; font-family: var(--font-ui); font-size: 13.5px; color: var(--ink);
  background: transparent; border: 1px solid var(--hair); border-radius: 6px;
  padding: 7px 10px; outline: none;
}
.combo-search:focus { border-color: var(--ink); }
.combo-list {
  list-style: none; margin: 0; padding: 0; max-height: 264px; overflow-y: auto;
}
.combo-list li {
  padding: 7px 10px; border-radius: 6px; font-size: 13.5px; cursor: pointer;
  display: flex; justify-content: space-between; gap: var(--s2); align-items: baseline;
}
.combo-list li:hover, .combo-list li.active { background: var(--hover); }
.combo-list li[aria-selected="true"] { color: var(--accent); }
.combo-list li .n { font-family: var(--font-mono); font-size: 11.5px; color: var(--muted); }
.combo-list li.none { color: var(--muted); cursor: default; }
.combo-list li.none:hover { background: transparent; }
.combo-hint { font-size: 12px; color: var(--muted); padding: 2px 10px 4px; }

/* ---------- compare ---------- */
.picker-row { display: flex; flex-wrap: wrap; gap: var(--s2); align-items: center; margin-bottom: var(--s2); }
.picker-row .combo { flex: 1 1 280px; }
.picker-count { font-family: var(--font-mono); font-size: 12px; color: var(--muted); white-space: nowrap; }
.quick { display: flex; flex-wrap: wrap; gap: var(--s1); margin-bottom: var(--s3); }
.quick .chip .n { margin-left: 0; margin-right: 7px; }
.quick .chip[disabled] { opacity: 0.45; cursor: default; }
.quick .chip[disabled]:hover { border-color: var(--hair); }

.cards {
  display: grid; gap: var(--s3);
  grid-template-columns: repeat(auto-fill, minmax(232px, 1fr));
}
.ins-card { border-top: 2px solid var(--ic); padding-top: var(--s1); transition: opacity 150ms; }
.ins-card.hot { opacity: 1; }
.cards.has-hot .ins-card:not(.hot) { opacity: 0.35; }
.ins-card header { display: flex; align-items: baseline; gap: var(--s1); }
.ins-card .rank { font-family: var(--font-mono); font-size: 12px; color: var(--muted); }
.ins-card h3 { font-size: 13.5px; font-weight: 600; margin: 0; flex: 1; line-height: 1.3; }
.ins-card .rm {
  border: 0; background: none; color: var(--muted); font-size: 15px; line-height: 1;
  cursor: pointer; padding: 2px 4px; border-radius: 4px;
}
.ins-card .rm:hover { color: var(--accent); }
.ins-card .total { font-size: 30px; line-height: 1.1; margin-top: var(--s1); }
.ins-card .lbl { font-size: 11.5px; color: var(--muted); letter-spacing: 0.04em; text-transform: uppercase; }
.ins-card .row {
  display: flex; gap: var(--s3); margin-top: var(--s2); font-size: 12px; color: var(--muted);
}
.ins-card .row b { display: block; font-family: var(--font-mono); font-weight: 500; font-size: 14px; color: var(--ink); }
.ins-card .spark { display: block; margin-top: var(--s2); }
.ins-card .pif-line { font-size: 12px; color: var(--muted); margin-top: var(--s2); }
.ins-card .pif-line b { font-family: var(--font-mono); font-weight: 500; font-size: 13px; color: var(--ink); }

.empty { color: var(--muted); font-size: 13.5px; padding: var(--s3) 0; }

/* ---------- chart ---------- */
.chart-box { position: relative; height: 400px; }
@media (max-width: 759px) { .chart-box { height: 300px; } }
.chart-box svg { display: block; width: 100%; height: 100%; }
.chart-box text { font-family: var(--font-mono); font-size: 11px; fill: var(--muted); }
.gridline { stroke: var(--hair); stroke-width: 1; }
.zero-line { stroke: var(--hair); stroke-width: 1; }
.xtick { stroke: var(--hair); stroke-width: 1; }
.line { fill: none; stroke-width: 1.5; stroke-linejoin: round; stroke-linecap: round; transition: opacity 150ms; }
.line.dim { opacity: 0.18; }
.crosshair { stroke: var(--muted); stroke-width: 1; stroke-dasharray: 3 3; }
.hdot { stroke-width: 1.5; }

.tip {
  position: absolute; pointer-events: none; z-index: 20; min-width: 168px;
  background: var(--raised); border: 1px solid var(--hair); border-radius: 8px;
  padding: 8px 10px; font-size: 12.5px;
}
.tip .m {
  font-family: var(--font-mono); font-size: 11px; letter-spacing: 0.08em;
  text-transform: uppercase; color: var(--muted); margin-bottom: 5px;
}
.tip .r { display: flex; align-items: center; gap: 7px; padding: 1.5px 0; }
.tip .sw { width: 8px; height: 8px; border-radius: 2px; flex: none; }
.tip .r .v { margin-left: auto; font-family: var(--font-mono); font-variant-numeric: tabular-nums; }
.tip .r .nm { max-width: 180px; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; }

/* ---------- graph tabs (Growth | The Race) ---------- */
.tabs { display: flex; gap: var(--s3); border-bottom: 1px solid var(--hair); margin-bottom: var(--s3); }
.tabs [role="tab"] {
  all: unset; cursor: pointer; font-family: var(--font-mono); font-size: 11.5px;
  letter-spacing: 0.12em; text-transform: uppercase; color: var(--muted);
  padding: 6px 2px 10px; border-bottom: 2px solid transparent; margin-bottom: -1px;
}
.tabs [role="tab"]:hover { color: var(--ink); }
.tabs [role="tab"]:focus-visible { outline-offset: -2px; }
.tabs [role="tab"].on { color: var(--ink); border-bottom-color: var(--accent); }

/* ---------- the race ---------- */
.race-top { display: flex; flex-wrap: wrap; gap: var(--s2) var(--s3); align-items: center; justify-content: space-between; }
.race-scope {
  font-family: var(--font-mono); font-size: 11px; letter-spacing: 0.12em;
  text-transform: uppercase; color: var(--muted); cursor: help;
  border-bottom: 1px dotted var(--hair);
}
.race-metric { font-size: 13px; color: var(--muted); margin: var(--s1) 0 var(--s2); }
.race-stage { position: relative; overflow: hidden; padding-top: clamp(34px, 5vw, 46px); }
.race-month {
  position: absolute; top: 0; right: 0; font-weight: 500;
  font-size: clamp(21px, 3.6vw, 32px); letter-spacing: -0.01em;
  color: var(--ink); pointer-events: none;
}
.race-rows { position: relative; }
.race-row {
  position: absolute; top: 0; left: 0; width: 100%; height: var(--rh, 30px);
  display: grid; grid-template-columns: clamp(104px, 20vw, 200px) 1fr;
  gap: var(--s2); align-items: center;
  transition: transform var(--rd, 320ms) cubic-bezier(.22,.61,.36,1);
}
.race-name {
  font-size: 12.5px; color: var(--ink); text-align: right; line-height: 1.2;
  white-space: nowrap; overflow: hidden; text-overflow: ellipsis;
}
.race-row.muted .race-name { color: var(--muted); }
.race-track { display: flex; align-items: center; gap: 8px; min-width: 0; }
.race-bar {
  flex: none; width: 0%; height: calc(var(--rh, 30px) - 14px); border-radius: 2px;
  background: rgba(21, 23, 28, 0.24); /* neutral for non-selected insurers */
  transition: width var(--rd, 320ms) cubic-bezier(.22,.61,.36,1);
}
.race-val { font-size: 12px; color: var(--ink); white-space: nowrap; }
.race-row:not(.muted) .race-val { font-weight: 500; }
.race.no-anim .race-row, .race.no-anim .race-bar { transition: none !important; }
.race.loading .race-cats { opacity: 0.5; pointer-events: none; }
.race-controls { display: flex; flex-wrap: wrap; align-items: center; gap: var(--s2); margin-top: var(--s3); }
.rc {
  font-family: var(--font-ui); font-size: 13px; color: var(--ink); white-space: nowrap;
  background: transparent; border: 1px solid var(--hair); border-radius: 8px;
  padding: 6px 12px; cursor: pointer; transition: border-color 120ms, color 120ms;
}
.rc:hover { border-color: var(--ink); }
.rc[aria-pressed="true"] { border-color: var(--accent); color: var(--accent); background: var(--accent-soft); }
.rc-scrub { flex: 1 1 170px; min-width: 130px; accent-color: var(--accent); }
.rc-speeds { display: flex; gap: 6px; }
.rc-speeds .rc { padding: 6px 10px; font-family: var(--font-mono); font-size: 12px; }
.race-err { font-size: 13px; color: var(--accent); margin: var(--s2) 0 0; }
.race-note { font-size: 12.5px; color: var(--muted); margin: var(--s2) 0 0; }

@media (prefers-color-scheme: dark) { .race-bar { background: rgba(237, 238, 240, 0.22); } }
@media (max-width: 759px) {
  .race-row { grid-template-columns: clamp(96px, 30vw, 132px) 1fr; }
  .race-name { font-size: 12px; }
  .race-controls { gap: var(--s1); }
}

/* ---------- table ---------- */
.table-scroll { overflow-x: auto; }
table { width: 100%; border-collapse: collapse; min-width: 760px; }
.table-note { font-size: 12.5px; color: var(--muted); margin: var(--s2) 0 0; line-height: 1.55; max-width: 72ch; }
.table-note sup { font-size: 10px; }
thead th {
  position: sticky; top: 0; z-index: 10; background: var(--bg);
  border-bottom: 1px solid var(--ink); padding: 8px 10px;
  font-size: 11px; font-weight: 600; letter-spacing: 0.08em; text-transform: uppercase;
  color: var(--muted); text-align: left; white-space: nowrap;
}
th.num, td.num { text-align: right; }
thead th button {
  all: unset; cursor: pointer; font: inherit; color: inherit; display: block;
}
thead th button:hover { color: var(--ink); }
thead th[aria-sort] button::after { content: ' ↓'; color: var(--accent); }
thead th[aria-sort="ascending"] button::after { content: ' ↑'; }
tbody td { border-bottom: 1px solid var(--hair); padding: 9px 10px; font-size: 13.5px; }
tbody tr:hover { background: var(--hover); }
tbody td.num { font-family: var(--font-mono); font-variant-numeric: tabular-nums; font-size: 13px; }
tbody td.rank { font-family: var(--font-mono); color: var(--muted); font-size: 12.5px; }
tbody tr.sel { background: var(--hover); }
.name-btn {
  all: unset; cursor: pointer; font: inherit; display: flex; align-items: center; gap: 8px;
  max-width: 380px;
}
.name-btn:hover { color: var(--accent); }
.name-btn .dot { width: 8px; height: 8px; border-radius: 2px; flex: none; background: transparent; }
tbody tr.sel .name-btn .dot { background: var(--ic); }
.name-btn .add { color: var(--muted); font-size: 11px; font-family: var(--font-mono); }
.share-bar { display: inline-block; height: 3px; background: var(--ic, var(--muted)); border-radius: 2px; margin-left: 8px; vertical-align: baseline; }

/* ---------- footer ---------- */
footer { border-top: 1px solid var(--hair); }
footer .wrap { padding-top: var(--s5); padding-bottom: var(--s6); font-size: 13px; color: var(--muted); }
.attr { font-size: 13px; color: var(--ink); margin: 0 0 var(--s2); }
.foot-links { display: flex; gap: var(--s3); margin: 0 0 var(--s2); }
.foot-links a { color: var(--ink); }
.disc { max-width: 72ch; margin: var(--s3) 0 0; line-height: 1.55; }
.updated { font-family: var(--font-mono); font-size: 12.5px; }

/* ---------- noscript / errors ---------- */
noscript .note, .err { border: 1px solid var(--hair); border-radius: 8px; padding: var(--s2); margin: var(--s3) 0; font-size: 13.5px; color: var(--muted); }

/* ---------- methodology page ---------- */
.prose { max-width: 72ch; }
.prose h1 { font-size: clamp(28px, 5vw, 40px); font-weight: 600; margin: var(--s6) 0 var(--s3); letter-spacing: -0.01em; }
.prose h2 { text-transform: none; font-size: 17px; margin: var(--s5) 0 var(--s1); }
.prose p, .prose li { font-size: 15px; line-height: 1.6; color: var(--ink); }
.prose p { margin: 0 0 var(--s2); }
.prose ul, .prose ol { padding-left: var(--s3); margin: 0 0 var(--s2); }
.prose li { margin-bottom: var(--s1); }
.prose .ph { font-family: var(--font-mono); font-size: 12.5px; color: var(--accent); background: var(--accent-soft); border-radius: 4px; padding: 1px 5px; white-space: nowrap; }
.prose table { min-width: 0; max-width: 560px; margin: var(--s2) 0; }
.prose thead th { position: static; border-bottom: 1px solid var(--hair); }

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { transition: none !important; animation: none !important; }
}

/* homepage race CTA */
.explore-cta { margin-top: var(--s3); }
.btn-link {
  display: inline-block; font-size: 14px; font-weight: 500; text-decoration: none;
  color: var(--accent); border: 1px solid var(--accent); border-radius: 8px;
  padding: 10px 16px;
}
.btn-link:hover { background: var(--accent); color: var(--bg); }