.ai-panel {
  margin: 1.5rem 0 1.75rem;
  padding: 1.2rem;
  border: 1px solid var(--border-md);
  border-radius: 14px;
  background:
    linear-gradient(180deg, rgba(108, 92, 231, 0.08), rgba(108, 92, 231, 0.02)),
    var(--bg2);
}

.ai-panel + .ai-panel {
  margin-top: 1.75rem;
}

.ai-header {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 1rem;
  margin-bottom: 1rem;
}

.ai-kicker {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  margin-bottom: 0.5rem;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--purple-l);
}

.ai-title {
  font-family: var(--font-display);
  font-size: 1.05rem;
  line-height: 1.25;
  color: var(--text);
}

.ai-copy {
  max-width: 62ch;
  font-size: 0.92rem;
  color: var(--muted);
}

.ai-segmented {
  display: inline-flex;
  flex-wrap: wrap;
  gap: 0.55rem;
  margin: 0.2rem 0 1rem;
}

.ai-seg-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-width: 72px;
  padding: 0.52rem 0.75rem;
  border: 1px solid var(--border-md);
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.04);
  color: var(--muted);
  font: inherit;
  font-size: 0.84rem;
  font-weight: 700;
  cursor: pointer;
  transition: background 160ms ease, border-color 160ms ease, color 160ms ease, transform 160ms ease;
}

.ai-seg-btn:hover,
.ai-seg-btn:focus-visible {
  border-color: rgba(108, 92, 231, 0.5);
  color: var(--text);
  outline: none;
  box-shadow: 0 0 0 3px rgba(108, 92, 231, 0.12);
}

.ai-seg-btn.is-active {
  background: rgba(108, 92, 231, 0.18);
  border-color: rgba(108, 92, 231, 0.55);
  color: var(--text);
  box-shadow: inset 0 0 0 1px rgba(255, 255, 255, 0.03);
}

.ai-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 0.85rem;
  margin-bottom: 1rem;
}

.ai-stat {
  min-height: 92px;
  padding: 0.9rem 0.95rem;
  border: 1px solid var(--border);
  border-radius: 10px;
  background: rgba(255, 255, 255, 0.03);
}

.ai-stat-label {
  display: block;
  margin-bottom: 0.45rem;
  font-size: 0.76rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: var(--subtle);
}

.ai-stat-value {
  display: block;
  font-family: var(--font-display);
  font-size: 1.22rem;
  line-height: 1.1;
  color: var(--text);
}

.ai-stat-copy {
  display: block;
  margin-top: 0.35rem;
  font-size: 0.8rem;
  color: var(--muted);
}

.ai-stat--net .ai-stat-value,
.ai-stat--ss .ai-stat-value {
  color: #5de0a4;
}

.ai-stat--federal .ai-stat-value {
  color: #b7a9ff;
}

.ai-stat--fica .ai-stat-value {
  color: #f7be74;
}

.ai-stat--state .ai-stat-value,
.ai-stat--medicare .ai-stat-value {
  color: #f7888f;
}

.ai-stack {
  overflow: hidden;
  border: 1px solid var(--border);
  border-radius: 10px;
  background: rgba(255, 255, 255, 0.03);
}

.ai-stack-bar {
  display: flex;
  min-height: 42px;
}

.ai-stack-segment {
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 0.2rem 0.45rem;
  font-size: 0.76rem;
  font-weight: 700;
  color: #fff;
  white-space: nowrap;
}

.ai-stack-segment--net { background: linear-gradient(135deg, #19a86d, #0f8d69); }
.ai-stack-segment--federal { background: linear-gradient(135deg, #7c6cf5, #6555df); }
.ai-stack-segment--fica { background: linear-gradient(135deg, #d99324, #c77908); }
.ai-stack-segment--state { background: linear-gradient(135deg, #e45a68, #ce415d); }
.ai-stack-segment--ss { background: linear-gradient(135deg, #3d9e68, #2c8454); }
.ai-stack-segment--medicare { background: linear-gradient(135deg, #277fd5, #1760a4); }

.ai-legend {
  display: flex;
  flex-wrap: wrap;
  gap: 0.85rem 1.1rem;
  margin-top: 0.9rem;
  font-size: 0.8rem;
  color: var(--muted);
}

.ai-legend-item {
  display: inline-flex;
  align-items: center;
  gap: 0.45rem;
}

.ai-legend-swatch {
  width: 11px;
  height: 11px;
  border-radius: 3px;
}

.ai-legend-swatch--net { background: #19a86d; }
.ai-legend-swatch--federal { background: #7c6cf5; }
.ai-legend-swatch--fica { background: #d99324; }
.ai-legend-swatch--state { background: #e45a68; }
.ai-legend-swatch--ss { background: #3d9e68; }
.ai-legend-swatch--medicare { background: #277fd5; }

.ai-note {
  margin-top: 0.95rem;
  font-size: 0.83rem;
  color: var(--muted);
}

.ai-flow {
  margin-top: 1rem;
  padding: 0.95rem;
  border-radius: 10px;
  background: rgba(255, 255, 255, 0.03);
}

.ai-flow-label {
  margin-bottom: 0.85rem;
  text-align: center;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  color: var(--subtle);
}

.ai-flow-line {
  width: 2px;
  height: 20px;
  margin: 0 auto 0.7rem;
  background: var(--border-md);
}

.ai-flow-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 0.85rem;
}

.ai-flow-card {
  padding: 0.95rem 1rem;
  border: 1px solid var(--border);
  border-radius: 10px;
  background: rgba(255, 255, 255, 0.03);
}

.ai-flow-card--ss {
  background: rgba(61, 158, 104, 0.1);
  border-color: rgba(61, 158, 104, 0.28);
}

.ai-flow-card--medicare {
  background: rgba(39, 127, 213, 0.1);
  border-color: rgba(39, 127, 213, 0.28);
}

.ai-flow-rate {
  font-family: var(--font-display);
  font-size: 1.18rem;
  line-height: 1.05;
}

.ai-flow-card--ss .ai-flow-rate,
.ai-flow-card--ss .ai-flow-name,
.ai-flow-card--ss .ai-flow-detail {
  color: #8ae0aa;
}

.ai-flow-card--medicare .ai-flow-rate,
.ai-flow-card--medicare .ai-flow-name,
.ai-flow-card--medicare .ai-flow-detail {
  color: #94cbff;
}

.ai-flow-name {
  margin-top: 0.22rem;
  font-size: 0.83rem;
  font-weight: 700;
}

.ai-flow-detail {
  margin-top: 0.2rem;
  font-size: 0.76rem;
}

.ai-flow-copy {
  margin-top: 0.75rem;
  padding-top: 0.75rem;
  border-top: 1px solid currentColor;
  font-size: 0.76rem;
  line-height: 1.5;
}

.ai-flow-summary {
  margin-top: 0.85rem;
  padding: 0.85rem 0.9rem;
  border-radius: 10px;
  background: rgba(255, 255, 255, 0.035);
  text-align: center;
  font-size: 0.84rem;
  color: var(--muted);
}

.ai-flow-summary strong {
  color: var(--text);
}

.ai-ladder {
  display: grid;
  gap: 0.72rem;
}

.ai-ladder-row {
  display: grid;
  grid-template-columns: minmax(76px, 90px) minmax(0, 1fr) minmax(120px, 150px);
  align-items: center;
  gap: 0.85rem;
}

.ai-ladder-rate {
  display: inline-flex;
  justify-content: center;
  align-items: center;
  min-height: 38px;
  padding: 0.35rem 0.65rem;
  border-radius: 999px;
  background: rgba(108, 92, 231, 0.12);
  border: 1px solid rgba(108, 92, 231, 0.25);
  font-size: 0.84rem;
  font-weight: 800;
  color: var(--text);
}

.ai-ladder-track {
  position: relative;
  min-height: 44px;
  overflow: hidden;
  border: 1px solid var(--border);
  border-radius: 10px;
  background: rgba(255, 255, 255, 0.03);
}

.ai-ladder-fill {
  display: flex;
  align-items: center;
  min-height: 100%;
  padding: 0.35rem 0.8rem;
  border-radius: 9px;
  background: linear-gradient(135deg, rgba(108, 92, 231, 0.95), rgba(45, 212, 191, 0.75));
  color: #fff;
  font-size: 0.8rem;
  font-weight: 700;
  white-space: nowrap;
}

.ai-ladder-meta {
  font-size: 0.78rem;
  line-height: 1.45;
  color: var(--muted);
}

.ai-ladder-meta strong {
  display: block;
  color: var(--text);
  font-size: 0.84rem;
}

.ai-compare-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 0.85rem;
  margin-bottom: 1rem;
}

.ai-compare-card {
  min-height: 120px;
  padding: 1rem;
  border: 1px solid var(--border);
  border-radius: 10px;
  background: rgba(255, 255, 255, 0.03);
}

.ai-compare-card--us {
  border-color: rgba(34, 197, 94, 0.22);
}

.ai-compare-card--eu {
  border-color: rgba(59, 130, 246, 0.22);
}

.ai-compare-card--tradeoff {
  border-color: rgba(245, 158, 11, 0.22);
}

.ai-compare-label {
  display: block;
  margin-bottom: 0.45rem;
  font-size: 0.76rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--subtle);
}

.ai-compare-value {
  display: block;
  font-family: var(--font-display);
  font-size: 1.16rem;
  line-height: 1.1;
  color: var(--text);
}

.ai-compare-card--us .ai-compare-value {
  color: #7be2a2;
}

.ai-compare-card--eu .ai-compare-value {
  color: #93ccff;
}

.ai-compare-card--tradeoff .ai-compare-value {
  color: #f8cb79;
}

.ai-compare-copy {
  display: block;
  margin-top: 0.45rem;
  font-size: 0.82rem;
  color: var(--muted);
}

.ai-toggle-summary {
  padding: 0.9rem 0.95rem;
  border: 1px solid var(--border);
  border-radius: 10px;
  background: rgba(255, 255, 255, 0.03);
  font-size: 0.86rem;
  color: var(--muted);
}

.ai-toggle-summary strong {
  color: var(--text);
}

.ai-bars {
  display: grid;
  gap: 0.78rem;
}

.ai-bar-row {
  display: grid;
  gap: 0.38rem;
}

.ai-bar-head {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  gap: 0.85rem;
}

.ai-bar-label {
  font-size: 0.84rem;
  font-weight: 700;
  color: var(--text);
}

.ai-bar-value {
  font-family: var(--font-display);
  font-size: 0.88rem;
  color: var(--text);
}

.ai-bar-copy {
  font-size: 0.77rem;
  color: var(--muted);
}

.ai-bar-track {
  position: relative;
  overflow: hidden;
  min-height: 14px;
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid var(--border);
}

.ai-bar-fill {
  min-height: 100%;
  border-radius: 999px;
  background: linear-gradient(135deg, rgba(108, 92, 231, 0.95), rgba(45, 212, 191, 0.78));
}

.ai-bar-fill--alt {
  background: linear-gradient(135deg, rgba(45, 212, 191, 0.95), rgba(59, 130, 246, 0.78));
}

.ai-bar-fill--warn {
  background: linear-gradient(135deg, rgba(245, 158, 11, 0.95), rgba(234, 88, 12, 0.82));
}

.ai-stub {
  display: grid;
  gap: 0.9rem;
}

.ai-stub-sheet {
  padding: 1rem;
  border: 1px solid var(--border);
  border-radius: 12px;
  background: rgba(255, 255, 255, 0.03);
}

.ai-stub-header {
  display: flex;
  justify-content: space-between;
  gap: 0.9rem;
  padding-bottom: 0.8rem;
  margin-bottom: 0.8rem;
  border-bottom: 1px solid var(--border);
}

.ai-stub-title {
  font-size: 0.84rem;
  font-weight: 800;
  color: var(--text);
}

.ai-stub-sub {
  margin-top: 0.22rem;
  font-size: 0.76rem;
  color: var(--muted);
}

.ai-stub-net {
  text-align: right;
}

.ai-stub-net-label {
  display: block;
  font-size: 0.74rem;
  font-weight: 700;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  color: var(--subtle);
}

.ai-stub-net-value {
  display: block;
  margin-top: 0.15rem;
  font-family: var(--font-display);
  font-size: 1.15rem;
  color: #7be2a2;
}

.ai-stub-sections {
  display: grid;
  gap: 0.65rem;
}

.ai-stub-section {
  display: grid;
  grid-template-columns: minmax(120px, 145px) minmax(0, 1fr) auto;
  align-items: center;
  gap: 0.75rem;
  padding: 0.75rem 0.85rem;
  border: 1px solid var(--border);
  border-radius: 10px;
  background: rgba(255, 255, 255, 0.025);
  cursor: pointer;
  transition: border-color 160ms ease, background 160ms ease, transform 160ms ease;
}

.ai-stub-section:hover,
.ai-stub-section:focus-visible {
  border-color: rgba(108, 92, 231, 0.42);
  outline: none;
}

.ai-stub-section.is-active {
  background: rgba(108, 92, 231, 0.11);
  border-color: rgba(108, 92, 231, 0.48);
}

.ai-stub-label {
  font-size: 0.82rem;
  font-weight: 800;
  color: var(--text);
}

.ai-stub-copy {
  font-size: 0.78rem;
  color: var(--muted);
}

.ai-stub-value {
  font-family: var(--font-display);
  font-size: 0.9rem;
  color: var(--text);
}

body.light-mode .ai-panel {
  background:
    linear-gradient(180deg, rgba(108, 92, 231, 0.06), rgba(108, 92, 231, 0.015)),
    #fff;
  border-color: rgba(35, 26, 76, 0.11);
}

body.light-mode .ai-stat,
body.light-mode .ai-stack,
body.light-mode .ai-flow,
body.light-mode .ai-flow-summary,
body.light-mode .ai-flow-card,
body.light-mode .ai-ladder-track,
body.light-mode .ai-compare-card,
body.light-mode .ai-toggle-summary,
body.light-mode .ai-bar-track,
body.light-mode .ai-stub-sheet,
body.light-mode .ai-stub-section {
  background: rgba(16, 24, 40, 0.03);
}

@media (max-width: 760px) {
  .ai-header {
    flex-direction: column;
  }

  .ai-copy {
    max-width: none;
  }

  .ai-segmented {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(118px, 1fr));
  }

  .ai-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .ai-flow-grid {
    grid-template-columns: 1fr;
  }

  .ai-ladder-row {
    grid-template-columns: 1fr;
    gap: 0.45rem;
  }

  .ai-compare-grid {
    grid-template-columns: 1fr;
  }

  .ai-compare-card {
    min-height: 0;
  }

  .ai-bar-head {
    flex-direction: column;
    align-items: flex-start;
    gap: 0.28rem;
  }

  .ai-ladder-fill {
    white-space: normal;
    line-height: 1.25;
  }

  .ai-stub-header {
    flex-direction: column;
  }

  .ai-stub-net {
    text-align: left;
  }

  .ai-stub-section {
    grid-template-columns: 1fr;
    align-items: flex-start;
  }
}

@media (max-width: 520px) {
  .ai-panel {
    padding: 1rem;
  }

  .ai-grid {
    grid-template-columns: 1fr;
  }

  .ai-segmented {
    grid-template-columns: 1fr;
  }

  .ai-stack-segment {
    font-size: 0.68rem;
  }

  .ai-stub-section {
    padding: 0.72rem 0.78rem;
    gap: 0.45rem;
  }
}