:root{--ink:#173448;--muted:#536b77;--teal:#147f82;--teal-dark:#0f656d;--blue:#205f91;--paper:#fbfcfa;--mist:#edf6f3;--line:#cddfdb;--cream:#f5f2ea;--shadow:0 14px 34px rgba(23,52,72,.08)}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--paper);color:var(--ink);font:17px/1.62 system-ui,-apple-system,"Segoe UI",sans-serif}
a{color:#165e88;text-underline-offset:3px}a:hover{text-decoration-thickness:2px}
button,input,select{font:inherit}
:focus-visible{outline:3px solid #178f91;outline-offset:3px}
.skip-link{position:absolute;top:-100px;left:12px;z-index:99;background:#fff;padding:8px 12px}.skip-link:focus{top:10px}
.site-shell{max-width:1180px;margin:auto;padding:0 28px}
.site-header{position:relative;z-index:4;display:flex;align-items:center;gap:22px;min-height:76px;border-bottom:1px solid var(--line)}
.site-brand{display:flex;align-items:center;gap:10px;flex:none;text-decoration:none;color:#163548;font-size:.96rem;font-weight:600;letter-spacing:-.02em}.site-brand strong{display:block;line-height:1.1}.brand-mark{width:30px;height:30px;border:2px solid var(--teal);border-radius:9px;display:grid;place-items:center;color:var(--teal);font-size:1.1rem}.brand-mark:before{content:"+";font-weight:800}
.site-nav{display:flex;align-items:center;gap:3px;margin-left:auto}.site-nav a{display:block;padding:9px 10px;border-radius:7px;color:#31505d;text-decoration:none;font-size:.86rem;font-weight:720}.site-nav a:hover,.site-nav a[aria-current=page]{background:#e8f2ef;color:#0d656b}.site-nav .nav-primary{background:#205f91;color:white;margin-left:6px}.site-nav .nav-primary:hover,.site-nav .nav-primary[aria-current=page]{background:#164d7a;color:white}
.lang-switch{display:flex;gap:3px;border:1px solid var(--line);border-radius:99px;padding:3px;flex:none}.lang-switch button{background:none;border:0;border-radius:99px;color:#49646d;padding:5px 9px;font-size:.78rem;font-weight:700;cursor:pointer}.lang-switch button[aria-pressed=true]{background:#e4f2ef;color:#0e686b}
.menu-button{display:none;border:1px solid var(--line);border-radius:7px;background:white;color:var(--ink);padding:6px 12px;font-weight:700;cursor:pointer}
.eyebrow{color:var(--teal-dark);text-transform:uppercase;letter-spacing:.11em;font-size:.72rem;font-weight:850;margin:0 0 11px}
h1,h2,h3,h4,h5{font-family:Georgia,"Times New Roman",serif;letter-spacing:-.027em;line-height:1.16;color:#173448}h1{font-size:clamp(2.4rem,5vw,4.1rem);margin:0 0 18px}h2{font-size:clamp(1.65rem,3vw,2.3rem);margin:0 0 16px}h3{font-size:1.32rem;margin:0 0 11px}h4{font-size:1.08rem;margin:0 0 8px}p{margin:0 0 17px}.lead{font-size:clamp(1.08rem,1.7vw,1.25rem);color:#385866;max-width:65ch}.muted{color:var(--muted)}
.button{display:inline-flex;align-items:center;justify-content:center;min-height:49px;padding:12px 20px;border:1px solid transparent;border-radius:8px;font-weight:800;text-decoration:none;line-height:1.2}.button.primary{background:var(--blue);color:white;box-shadow:0 7px 16px rgba(32,95,145,.16)}.button.primary:hover{background:#174f7c}.button.secondary{background:white;border-color:#bcd5d4;color:#145e73}.button-row{display:flex;flex-wrap:wrap;gap:12px;margin:26px 0}
.hero-home{display:grid;grid-template-columns:minmax(0,1.2fr) minmax(290px,.8fr);align-items:center;gap:clamp(25px,5vw,90px);padding:70px 0 78px}.hero-home .lead{max-width:56ch}.hero-art{background:#eaf4f1;border:1px solid #c9e0d9;padding:32px 34px;border-radius:10px;box-shadow:var(--shadow)}.hero-art h2{font-size:1.35rem;margin-bottom:24px}.hero-art ol{list-style:none;margin:0;padding:0;counter-reset:milestone}.hero-art li{position:relative;padding:0 0 29px 35px;border-left:2px solid #69ada6;margin-left:10px;font-size:.93rem;color:#49616d}.hero-art li:last-child{border:0;padding-bottom:0}.hero-art li:before{counter-increment:milestone;content:counter(milestone);position:absolute;left:-15px;top:0;background:#168489;color:#fff;width:28px;height:28px;border-radius:50%;display:grid;place-items:center;font-size:.75rem;font-weight:800}.hero-art strong{display:block;color:#173f51}
.value-strip{border-block:1px solid var(--line);padding:32px 0;display:grid;grid-template-columns:repeat(3,1fr);gap:28px}.value-strip strong{display:block;color:#17697a;font-family:Georgia,serif;font-size:1.05rem}.value-strip span{color:#4d6570;font-size:.91rem}.pathways{padding:68px 0 80px}.pathways-head{max-width:65ch;margin-bottom:24px}.card-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}.route-card{display:block;padding:27px 29px;background:#fff;border:1px solid #d4e3df;border-top:3px solid #4caaa1;border-radius:7px;text-decoration:none;color:var(--ink);box-shadow:0 5px 18px rgba(23,52,72,.04);transition:transform .18s,box-shadow .18s}.route-card:hover{transform:translateY(-2px);box-shadow:var(--shadow)}.route-card h3{margin:0 0 8px}.route-card p{color:#4c6570;margin:0 0 10px}.route-card .arrow{color:#0e6e77;font-weight:800;font-size:.86rem}
.page-hero{padding:34px 0 25px;max-width:900px}.page-hero h1{font-size:clamp(2.35rem,4.2vw,3.45rem);margin-bottom:12px}.page-hero .lead{max-width:68ch}.breadcrumbs{font-size:.82rem;color:#59717a;margin:0 0 13px}.breadcrumbs a{color:#426576}.content-grid{display:grid;grid-template-columns:minmax(0,1fr) 250px;gap:55px;align-items:start;padding-bottom:80px}.article-main{min-width:0}.article-main>section,.article-main>article{margin:0 0 50px}.article-main h2{padding-top:10px}.article-main ul,.article-main ol{padding-left:1.4em}.article-main li{margin-bottom:8px}.article-main p{max-width:75ch}.aside-nav{position:sticky;top:22px;background:#eff6f3;border:1px solid #d4e4df;border-radius:8px;padding:20px}.aside-nav strong{display:block;margin-bottom:10px;font-size:.9rem}.aside-nav a{display:block;padding:6px 0;color:#385a67;text-decoration:none;font-size:.85rem}.aside-nav a:hover{text-decoration:underline}
.answer-card{padding:24px 28px;border-left:4px solid var(--teal);background:var(--mist);border-radius:4px;margin:20px 0}.answer-card h3{margin:0 0 8px}.answer-card p:last-child{margin:0}.source-link{font-size:.85rem;color:#526d76;margin-top:10px}.topic-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}.topic-card{padding:24px;background:white;border:1px solid var(--line);border-radius:8px}.topic-card h3{margin-bottom:9px}.topic-card ul{margin-bottom:0}.topic-card a{font-weight:750}.plain-details{border-top:1px solid var(--line);margin:20px 0}.plain-details summary{cursor:pointer;color:#155c73;font-weight:800;padding:16px 0}.plain-details>div{padding:0 0 15px}.plain-details p:last-child{margin-bottom:0}
.learn-bands{display:grid;gap:17px}.learn-band{background:white;border:1px solid var(--line);border-radius:8px;padding:26px}.learn-band h2{font-size:1.55rem}.learn-band p{max-width:72ch}.learn-band .mini-links{display:flex;flex-wrap:wrap;gap:9px}.mini-links a{display:inline-flex;border:1px solid #d1e3df;border-radius:99px;padding:6px 12px;text-decoration:none;font-size:.83rem;font-weight:720}
.payer-compare{display:grid;grid-template-columns:1fr auto 1fr;align-items:center;gap:14px;margin:25px 0}.payer-compare>div{padding:21px;background:#eaf4f1;border:1px solid var(--line);border-radius:7px}.payer-compare strong{display:block;color:#185e69}.payer-compare span{font-size:.84rem;color:#4e6871}.payer-arrow{font-size:1.5rem;color:#177e7c}
.faq-list details{background:white;border:1px solid #d4e3df;border-radius:6px;margin-bottom:9px}.faq-list summary{padding:17px 20px;cursor:pointer;font-weight:800;color:#214858}.faq-list details>div{padding:0 20px 18px;max-width:78ch}.faq-list p:last-child{margin-bottom:0}
.glossary-list{display:grid;gap:0}.glossary-list div{display:grid;grid-template-columns:180px 1fr;gap:20px;border-bottom:1px solid var(--line);padding:17px 0}.glossary-list dt{font-weight:800;color:#155d6a}.glossary-list dd{margin:0}
.site-footer{background:#173b4b;color:#d6e7e6;margin-top:20px;padding:40px 0 25px}.site-footer a{color:#def2f0}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:45px}.site-footer strong{color:#fff}.site-footer nav a{display:block;margin:5px 0}.footer-small{border-top:1px solid #52707a;padding-top:20px;margin-top:26px;font-size:.8rem;color:#cfdddb}
.calculator-intro{padding:22px 0 12px;max-width:900px}.calculator-intro .breadcrumbs{margin-bottom:9px}.calculator-intro .eyebrow{margin-bottom:5px}.calculator-intro h1{font-size:clamp(2rem,3.1vw,2.7rem);margin-bottom:8px}.calculator-intro .lead{font-size:1.05rem;line-height:1.48;margin-bottom:10px;max-width:75ch}.calculator-main #guide{padding-bottom:28px}.calculator-main #guide .guide-card{background:#fff}.calculator-main #guide .guide-mode-tabs{margin-bottom:10px}.calculator-main #guide .guide-mode-tabs button:first-child{flex:1}.calculator-main #guide .guide-mode-tabs button:last-child{flex:0 0 auto;padding-inline:20px;font-size:.88rem}.calculator-support{max-width:900px;margin:35px auto 80px;padding:22px 25px;background:#f0f7f4;border:1px solid var(--line);border-radius:7px}.calculator-support p{margin:0}
.result-primary-timeline{margin-top:16px!important}.result-primary-timeline .visual-event-date{font-size:1rem}.result-more-links{display:flex;flex-wrap:wrap;gap:8px;margin:20px 0 0}.result-more-links a{display:inline-flex;padding:8px 12px;border:1px solid #c5ded8;border-radius:6px;font-weight:700;font-size:.82rem;text-decoration:none;background:#f6faf8}
.coverage-phases{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px;margin:18px 0 24px}.coverage-phases>div{padding:20px 22px;border:1px solid var(--line);background:#f2f8f6;border-radius:7px}.coverage-phases h3{font-family:system-ui,-apple-system,"Segoe UI",sans-serif;font-size:.96rem;letter-spacing:0;color:#165d68;margin:0 0 8px}.coverage-phases p:last-child{margin:0}
.faq-group{margin:0 0 34px}.faq-group h2{font-size:1.55rem;margin:0 0 13px;padding-top:0}.faq-group details{margin-bottom:8px}
.result-risk{background:#fff8ea;border-left:3px solid #bb8632;padding:16px 20px;margin:20px 0}.result-risk h3{margin-bottom:5px}.result-risk ul{margin:0}.result-explanation{margin:27px 0}.result-explanation summary{font-size:1rem}.result-explanation>div{padding:5px 0 17px}.result-explanation h2{font-size:1.4rem;margin:10px 0 16px}
.cost-panel{background:#f3f9f8;border:1px solid var(--line);padding:26px;border-radius:8px}.cost-panel details.costs-guide{border:0;background:none;padding:0}.cost-panel details.costs-guide>summary{display:none}.cost-panel .costs-body{padding:0}.cost-panel .costs-help{margin-top:22px}.forms-grid{display:grid;gap:13px}.forms-grid article{background:#fff;border:1px solid var(--line);border-radius:7px;padding:20px}.forms-grid article h4,.forms-grid article h5{margin:0 0 8px}.forms-grid article p:last-child{margin-bottom:0}.application-body>.forms-grid{grid-template-columns:repeat(3,minmax(0,1fr))}.scenario-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.ssa-contact{background:#eef6f3;padding:18px 21px;border-left:3px solid var(--teal);margin:20px 0}
[data-lang][hidden]{display:none!important}
/* A direct answer comes before the detailed timeline and rule explanation. */
#guide .guide-result-heading{scroll-margin-top:24px}
#guide .guide-result-heading:focus{outline:none}
#guide .guide-result-summary{padding:clamp(22px,4vw,32px);margin:4px 0 26px;border:1px solid #afd1ca;border-left:5px solid #168e91;border-radius:8px;background:#eef8f5}
#guide .guide-result-summary .guide-summary-kicker{margin:0 0 8px;color:#12676b;font-size:.78rem;font-weight:800;letter-spacing:.09em;text-transform:uppercase}
#guide .guide-result-summary h3{font:700 clamp(1.35rem,2.5vw,1.8rem)/1.25 Georgia,"Times New Roman",serif;color:#173248;margin:0 0 12px;max-width:28ch}
#guide .guide-result-summary>p:not(.guide-summary-kicker){font-size:1rem;line-height:1.55;color:#244451}
#guide .guide-result-summary .guide-summary-next{border-top:1px solid #c8e1dc;margin-top:18px;padding-top:15px}
#guide .guide-result-summary .guide-summary-next strong{display:inline;color:#173b4d;font-size:inherit;margin:0}
@media(max-width:1000px){.site-header{gap:10px}.site-nav a{padding:8px 7px;font-size:.8rem}.site-brand{font-size:.86rem}}
@media(max-width:780px){.site-shell{padding:0 18px}.site-header{min-height:66px;flex-wrap:wrap}.menu-button{display:block;margin-left:auto}.site-nav{display:none;order:4;width:100%;margin:0 0 10px;padding:8px 0;border-top:1px solid var(--line);flex-direction:column;align-items:stretch}.site-nav.is-open{display:flex}.site-nav a{padding:10px 12px;font-size:.93rem}.site-nav .nav-primary{margin:0}.lang-switch{margin-left:0}.hero-home{grid-template-columns:1fr;padding:44px 0 45px}.hero-art{max-width:620px}.value-strip{grid-template-columns:1fr;gap:17px}.card-grid,.topic-grid,.content-grid,.coverage-phases{grid-template-columns:1fr}.aside-nav{position:static;order:-1}.page-hero{padding:38px 0 26px}.application-body>.forms-grid{grid-template-columns:1fr}.footer-grid{grid-template-columns:1fr 1fr;gap:25px}.footer-grid>div:first-child{grid-column:1/-1}}
@media(max-width:520px){body{font-size:16px}.site-shell{padding:0 16px}.site-header{gap:8px}.site-brand{font-size:.82rem}.brand-mark{width:25px;height:25px}.lang-switch button{padding:4px 7px;font-size:.72rem}.button-row{display:grid}.button{width:100%}.hero-art{padding:24px}.pathways{padding:48px 0}.route-card{padding:23px}.payer-compare{grid-template-columns:1fr}.payer-arrow{transform:rotate(90deg);text-align:center}.glossary-list div{grid-template-columns:1fr;gap:3px}.footer-grid{grid-template-columns:1fr}.calculator-intro{padding:18px 0 12px}.calculator-main #guide .guide-mode-tabs button:last-child{padding-inline:10px;font-size:.77rem}.cost-panel{padding:18px}.scenario-grid{grid-template-columns:1fr}}
.brand-mark{width:42px;height:42px;border:0;border-radius:0;display:grid;place-items:center;flex:none}
.brand-mark:before{content:none}
.brand-mark img{display:block;width:100%;height:100%;object-fit:contain}
@media(max-width:520px){.brand-mark{width:36px;height:36px}}
.guide-why{margin:10px 0 16px;border-left:3px solid #9bcfca;padding:5px 0 5px 12px;color:#365464}
.guide-why summary{cursor:pointer;font-weight:700;color:#176e73}
.guide-why p{margin:8px 0 2px;line-height:1.5}
#guide .guide-payer-summary{margin:24px 0;padding:20px 22px;background:#f0f8f6;border:1px solid #bfded8;border-radius:10px}
#guide .guide-payer-summary h2{margin:0 0 9px}
#guide .guide-payer-summary p{margin:0 0 10px;line-height:1.6}
#guide .guide-payer-summary p:last-child{margin-bottom:0}
.enrollment-scenarios{margin:24px 0;padding:18px 22px;border-left:4px solid #21878b;background:#f3f8f7}
.enrollment-scenarios h3{margin:0 0 5px}
.enrollment-scenarios p{margin:0 0 18px}
.enrollment-scenarios p:last-child{margin-bottom:0}