* { margin: 0; padding: 0; box-sizing: border-box; }

        :root {
            --coral: #F2A09A;
            --coral-light: #FDF5F4;
            --coral-dark: #E88B84;
            --teal: #4CB5AE;
            --teal-dark: #3A9A94;
            --teal-light: #E8F6F5;
            --navy: #1A2B3C;
            --text-dark: #2D3748;
            --text-gray: #5A6B7D;
            --text-light: #8899AA;
            --white: #FFFFFF;
            --bg-cream: #FFFAF9;
            --bg-soft: #F8FAFC;
            --border: #E8ECF1;
            --border-strong: #D7DCE3;
            --amber: #D99B3F;
            --amber-light: #FBF1DC;
        }

        html { scroll-behavior: smooth; }

        body {
            font-family: 'DM Sans', -apple-system, BlinkMacSystemFont, sans-serif;
            color: var(--text-dark);
            line-height: 1.6;
            background: var(--bg-cream);
            -webkit-font-smoothing: antialiased;
            overflow-x: hidden;
        }

        h1, h2, h3 {
            font-family: 'DM Serif Display', Georgia, serif;
            font-weight: 400;
        }

        a { color: inherit; }

        .container {
            max-width: 1200px;
            margin: 0 auto;
            padding: 0 24px;
        }

        /* ============================================
           BRIEF INTRO + CHIP LEGEND
        ============================================ */
        .dir-intro .dir-title { font-family: 'DM Serif Display', Georgia, serif; font-weight: 400; font-size: clamp(1.7rem, 3vw, 2.4rem); color: var(--navy); margin-bottom: 10px; }

        .dir-intro {
            padding: 104px 0 22px;
            background: var(--bg-cream);
        }
        .dir-intro-copy {
            font-size: 1rem;
            color: var(--text-gray);
            line-height: 1.55;
            max-width: 720px;
        }
        .dir-intro-copy strong {
            color: var(--navy);
            font-weight: 700;
        }
        .dir-legend {
            margin-top: 16px;
            display: flex;
            flex-wrap: wrap;
            gap: 10px 22px;
            align-items: center;
            padding: 12px 18px;
            background: var(--white);
            border: 1px solid var(--border);
            border-radius: 12px;
        }
        .dir-legend .legend-title {
            font-size: 0.7rem;
            font-weight: 700;
            text-transform: uppercase;
            letter-spacing: 0.6px;
            color: var(--text-light);
            margin-right: 4px;
        }
        .dir-legend .legend-row {
            display: inline-flex;
            align-items: center;
            gap: 8px;
            font-size: 0.84rem;
            color: var(--text-gray);
        }
        .dir-legend .legend-row .txn-chip { font-size: 0.74rem; }
        @media (max-width: 760px) {
            .dir-intro { padding: 92px 0 18px; }
            .dir-legend { padding: 12px 14px; gap: 8px 14px; }
            .dir-legend .legend-row { font-size: 0.78rem; }
        }

        /* ============================================
           STICKY FILTER BAR
        ============================================ */
        .filter-bar {
            position: sticky;
            top: 72px;
            z-index: 50;
            background: rgba(255, 250, 249, 0.92);
            backdrop-filter: saturate(140%) blur(12px);
            -webkit-backdrop-filter: saturate(140%) blur(12px);
            border-bottom: 1px solid var(--border);
            padding: 14px 0;
        }
        .filter-row {
            display: grid;
            grid-template-columns: minmax(220px, 1.6fr) minmax(150px, 1fr) auto;
            gap: 14px;
            align-items: center;
        }
        .search-wrap { position: relative; }
        .search-wrap svg.search-icon {
            position: absolute;
            top: 50%;
            left: 14px;
            transform: translateY(-50%);
            width: 16px;
            height: 16px;
            color: var(--text-light);
            pointer-events: none;
        }
        .search-wrap input {
            width: 100%;
            background: var(--white);
            border: 1px solid var(--border);
            border-radius: 12px;
            padding: 12px 44px 12px 40px;
            font-family: inherit;
            font-size: 0.95rem;
            color: var(--navy);
            transition: border-color 0.15s, box-shadow 0.15s;
        }
        .search-wrap input::placeholder { color: var(--text-light); }
        .search-wrap input:focus {
            outline: none;
            border-color: var(--teal);
            box-shadow: 0 0 0 3px rgba(76, 181, 174, 0.16);
        }
        .search-shortcut {
            position: absolute;
            top: 50%;
            right: 12px;
            transform: translateY(-50%);
            background: var(--bg-soft);
            color: var(--text-light);
            border: 1px solid var(--border);
            border-radius: 6px;
            padding: 2px 7px;
            font-size: 0.72rem;
            font-family: 'DM Sans', monospace;
            font-weight: 600;
            pointer-events: none;
        }
        .search-wrap input:focus + .search-shortcut { display: none; }

        .state-select {
            position: relative;
        }
        .state-select select {
            width: 100%;
            appearance: none;
            -webkit-appearance: none;
            background: var(--white);
            border: 1px solid var(--border);
            border-radius: 12px;
            padding: 12px 36px 12px 16px;
            font-family: inherit;
            font-size: 0.92rem;
            color: var(--navy);
            cursor: pointer;
            transition: border-color 0.15s, box-shadow 0.15s;
        }
        .state-select select:hover { border-color: var(--border-strong); }
        .state-select select:focus { outline: none; border-color: var(--teal); box-shadow: 0 0 0 3px rgba(76, 181, 174, 0.16); }
        .state-select::after {
            content: '';
            position: absolute;
            top: 50%;
            right: 14px;
            width: 8px;
            height: 8px;
            border-right: 2px solid var(--text-gray);
            border-bottom: 2px solid var(--text-gray);
            transform: translateY(-70%) rotate(45deg);
            pointer-events: none;
        }

        .clear-btn {
            background: transparent;
            border: 1px solid var(--border);
            color: var(--text-gray);
            font-family: inherit;
            font-size: 0.85rem;
            font-weight: 600;
            padding: 11px 16px;
            border-radius: 10px;
            cursor: pointer;
            transition: all 0.15s;
            white-space: nowrap;
        }
        .clear-btn:hover { color: var(--coral-dark); border-color: var(--coral); background: var(--coral-light); }
        .clear-btn:disabled { opacity: 0.4; cursor: not-allowed; pointer-events: none; }

        .chip-row {
            display: flex;
            align-items: center;
            flex-wrap: wrap;
            gap: 8px;
            margin-top: 12px;
            font-size: 0.85rem;
            color: var(--text-gray);
        }
        .chip-group {
            display: inline-flex;
            align-items: center;
            gap: 6px;
            flex-wrap: wrap;
        }
        .chip-group-label {
            font-size: 0.72rem;
            font-weight: 700;
            text-transform: uppercase;
            letter-spacing: 0.6px;
            color: var(--text-light);
            margin-right: 4px;
        }
        .chip {
            background: var(--white);
            border: 1px solid var(--border);
            border-radius: 999px;
            padding: 6px 12px;
            font-family: inherit;
            font-size: 0.82rem;
            font-weight: 500;
            color: var(--text-gray);
            cursor: pointer;
            transition: all 0.15s;
            white-space: nowrap;
        }
        .chip:hover { border-color: var(--border-strong); color: var(--navy); }
        .chip.active {
            background: var(--navy);
            color: var(--white);
            border-color: var(--navy);
        }
        .chip.active:hover { background: #243A50; }
        .chip .star {
            color: var(--amber);
            font-size: 0.78rem;
            margin-left: 1px;
        }
        .chip.active .star { color: #F5C36F; }

        .toggle {
            display: inline-flex;
            align-items: center;
            gap: 9px;
            cursor: pointer;
            user-select: none;
            font-size: 0.85rem;
            color: var(--text-gray);
        }
        .toggle input { position: absolute; opacity: 0; pointer-events: none; }
        .toggle-switch {
            width: 34px;
            height: 20px;
            background: var(--border-strong);
            border-radius: 999px;
            position: relative;
            transition: background 0.2s;
            flex-shrink: 0;
        }
        .toggle-switch::after {
            content: '';
            position: absolute;
            top: 2px;
            left: 2px;
            width: 16px;
            height: 16px;
            background: var(--white);
            border-radius: 50%;
            transition: transform 0.2s;
            box-shadow: 0 1px 2px rgba(0, 0, 0, 0.18);
        }
        .toggle input:checked + .toggle-switch { background: var(--teal); }
        .toggle input:checked + .toggle-switch::after { transform: translateX(14px); }

        @media (max-width: 760px) {
            .filter-bar { top: 0; padding: 12px 0; }
            .filter-row {
                grid-template-columns: 1fr;
                gap: 10px;
            }
            .chip-row { font-size: 0.8rem; }
        }

        /* ============================================
           RESULT STRIP + LIST
        ============================================ */
        .result-strip {
            display: flex;
            align-items: center;
            justify-content: space-between;
            gap: 12px;
            padding: 16px 0 12px;
            font-size: 0.92rem;
            color: var(--text-gray);
            flex-wrap: wrap;
        }
        .result-count strong { color: var(--navy); font-weight: 700; }
        .sort-wrap {
            display: inline-flex;
            align-items: center;
            gap: 8px;
            font-size: 0.85rem;
        }
        .sort-wrap label { color: var(--text-light); font-weight: 500; }
        .sort-wrap select {
            appearance: none;
            -webkit-appearance: none;
            background: var(--white);
            border: 1px solid var(--border);
            border-radius: 8px;
            padding: 7px 28px 7px 12px;
            font-family: inherit;
            font-size: 0.85rem;
            color: var(--navy);
            cursor: pointer;
            background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='10' height='6' viewBox='0 0 10 6'%3E%3Cpath fill='none' stroke='%235A6B7D' stroke-width='1.6' stroke-linecap='round' stroke-linejoin='round' d='M1 1l4 4 4-4'/%3E%3C/svg%3E");
            background-repeat: no-repeat;
            background-position: right 10px center;
        }
        .sort-wrap select:focus { outline: none; border-color: var(--teal); }

        .payer-list-shell {
            background: var(--white);
            border: 1px solid var(--border);
            border-radius: 16px;
            overflow: hidden;
            margin-bottom: 16px;
        }
        .payer-list {
            position: relative;
            overflow-y: auto;
            height: min(70vh, 760px);
        }
        .payer-list-spacer { width: 100%; }
        .payer-card {
            position: absolute;
            top: 0;
            left: 0;
            right: 0;
            height: 72px;
            padding: 12px 22px;
            display: grid;
            grid-template-columns: 40px minmax(180px, 1fr) auto auto;
            gap: 18px;
            align-items: center;
            border-bottom: 1px solid var(--border);
            background: var(--white);
            transition: background 0.12s;
        }
        .payer-card:last-child { border-bottom: none; }
        .payer-card:hover { background: var(--bg-soft); }

        .avatar {
            width: 40px;
            height: 40px;
            border-radius: 10px;
            background: linear-gradient(135deg, var(--teal-light), var(--coral-light));
            color: var(--navy);
            display: flex;
            align-items: center;
            justify-content: center;
            font-family: 'DM Sans', sans-serif;
            font-weight: 700;
            font-size: 0.82rem;
            border: 1px solid var(--border);
            flex-shrink: 0;
            text-transform: uppercase;
            letter-spacing: 0.2px;
        }
        .avatar img { width: 100%; height: 100%; object-fit: contain; border-radius: 9px; background: var(--white); }

        .payer-main { min-width: 0; display: flex; flex-direction: column; gap: 3px; }
        .payer-name {
            font-size: 0.98rem;
            font-weight: 700;
            color: var(--navy);
            line-height: 1.25;
            overflow: hidden;
            text-overflow: ellipsis;
            white-space: nowrap;
            max-width: 100%;
        }
        .payer-meta {
            font-size: 0.8rem;
            color: var(--text-gray);
            white-space: nowrap;
            overflow: hidden;
            text-overflow: ellipsis;
            line-height: 1.4;
        }
        .payer-meta .sep { color: var(--text-light); margin: 0 6px; }
        .payer-chips {
            display: flex;
            gap: 6px;
            flex-wrap: nowrap;
            justify-content: flex-end;
            flex-shrink: 0;
        }
        .txn-chip {
            display: inline-flex;
            align-items: center;
            gap: 5px;
            padding: 4px 10px;
            border-radius: 6px;
            font-size: 0.74rem;
            font-weight: 600;
            line-height: 1.2;
            letter-spacing: 0.1px;
            white-space: nowrap;
        }
        .txn-chip::before {
            content: '';
            width: 6px;
            height: 6px;
            border-radius: 50%;
            display: inline-block;
        }
        .txn-supported {
            background: var(--teal-light);
            color: var(--teal-dark);
        }
        .txn-supported::before { background: var(--teal); }
        .txn-enrollment {
            background: var(--coral-light);
            color: var(--coral-dark);
            border: 1px solid rgba(232, 139, 132, 0.36);
        }
        .txn-enrollment::before { background: var(--coral); }
        .txn-missing {
            background: var(--bg-soft);
            color: var(--text-light);
        }
        .txn-missing::before { background: var(--text-light); opacity: 0.45; }

        .details-btn {
            background: var(--white);
            border: 1px solid var(--border);
            color: var(--navy);
            font-family: inherit;
            font-size: 0.78rem;
            font-weight: 600;
            padding: 7px 14px;
            border-radius: 8px;
            cursor: pointer;
            transition: all 0.15s;
            white-space: nowrap;
        }
        .details-btn:hover { border-color: var(--teal); color: var(--teal-dark); background: var(--teal-light); }

        .empty-state, .loading-state, .error-state {
            padding: 60px 24px;
            text-align: center;
            color: var(--text-gray);
        }
        .empty-state h3, .error-state h3 {
            font-family: 'DM Serif Display', Georgia, serif;
            font-size: 1.4rem;
            color: var(--navy);
            margin-bottom: 8px;
        }
        .empty-state p { max-width: 380px; margin: 0 auto; font-size: 0.92rem; }
        .empty-state-reset {
            margin-top: 18px;
            background: var(--navy);
            color: var(--white);
            border: none;
            padding: 10px 22px;
            border-radius: 8px;
            font-family: inherit;
            font-weight: 600;
            font-size: 0.88rem;
            cursor: pointer;
            transition: background 0.15s;
        }
        .empty-state-reset:hover { background: #243A50; }
        .skeleton-row {
            height: 96px;
            display: flex;
            gap: 16px;
            padding: 16px 22px;
            border-bottom: 1px solid var(--border);
            align-items: center;
        }
        .skeleton-row:last-child { border-bottom: none; }
        .skeleton-row .sk { background: linear-gradient(90deg, var(--bg-soft) 25%, #EEF1F5 50%, var(--bg-soft) 75%); background-size: 200% 100%; animation: shimmer 1.4s linear infinite; border-radius: 8px; }
        .skeleton-row .sk-av { width: 48px; height: 48px; border-radius: 12px; flex-shrink: 0; }
        .skeleton-row .sk-content { flex: 1; display: flex; flex-direction: column; gap: 8px; }
        .skeleton-row .sk-line-1 { height: 14px; width: 36%; }
        .skeleton-row .sk-line-2 { height: 11px; width: 64%; }
        .skeleton-row .sk-line-3 { height: 11px; width: 28%; }
        @keyframes shimmer { 0% { background-position: 200% 0; } 100% { background-position: -200% 0; } }

        @media (max-width: 760px) {
            .payer-card {
                grid-template-columns: 36px 1fr auto;
                grid-template-rows: auto auto;
                height: 108px;
                padding: 12px 16px;
                column-gap: 12px;
                row-gap: 6px;
            }
            .avatar { width: 36px; height: 36px; font-size: 0.78rem; grid-row: 1 / 3; }
            .payer-main { grid-column: 2 / 3; }
            .details-btn { grid-column: 3 / 4; grid-row: 1 / 2; align-self: start; font-size: 0.72rem; padding: 5px 10px; }
            .payer-chips {
                grid-column: 2 / 4;
                grid-row: 2 / 3;
                justify-content: flex-start;
                gap: 4px;
                flex-wrap: wrap;
            }
            .txn-chip { font-size: 0.68rem; padding: 2px 7px; }
            .payer-name { font-size: 0.92rem; }
            .payer-meta { font-size: 0.74rem; }
        }

        /* ============================================
           BOTTOM CTA STRIP
        ============================================ */
        .cta-strip {
            background: var(--white);
            border: 1px solid var(--border);
            border-radius: 16px;
            padding: 28px 32px;
            margin: 28px 0 80px;
            display: flex;
            align-items: center;
            justify-content: space-between;
            gap: 24px;
            flex-wrap: wrap;
        }
        .cta-strip h3 {
            font-size: 1.45rem;
            color: var(--navy);
            margin-bottom: 4px;
        }
        .cta-strip p {
            color: var(--text-gray);
            font-size: 0.92rem;
            max-width: 520px;
        }
        .cta-strip .cta-actions {
            display: flex;
            gap: 12px;
            flex-wrap: wrap;
        }
        .btn-primary, .btn-secondary {
            display: inline-flex;
            align-items: center;
            gap: 8px;
            padding: 12px 22px;
            border-radius: 10px;
            font-family: inherit;
            font-weight: 600;
            font-size: 0.92rem;
            text-decoration: none;
            border: 1px solid transparent;
            cursor: pointer;
            transition: all 0.18s;
            white-space: nowrap;
        }
        .btn-primary {
            background: var(--teal);
            color: var(--white);
            box-shadow: 0 4px 14px rgba(76, 181, 174, 0.3);
        }
        .btn-primary:hover { background: var(--teal-dark); transform: translateY(-1px); box-shadow: 0 6px 18px rgba(76, 181, 174, 0.4); }
        .btn-secondary {
            background: var(--white);
            color: var(--navy);
            border-color: var(--border);
        }
        .btn-secondary:hover { border-color: var(--navy); }
        .btn-secondary svg { width: 14px; height: 14px; }

        /* ============================================
           DETAILS MODAL
        ============================================ */
        .modal-backdrop {
            position: fixed;
            inset: 0;
            background: rgba(26, 43, 60, 0.46);
            z-index: 200;
            display: none;
            align-items: flex-start;
            justify-content: center;
            padding: 60px 20px 40px;
            overflow-y: auto;
            backdrop-filter: blur(2px);
        }
        .modal-backdrop.open { display: flex; }
        .modal {
            background: var(--white);
            border-radius: 20px;
            max-width: 760px;
            width: 100%;
            box-shadow: 0 28px 64px rgba(26, 43, 60, 0.32);
            position: relative;
            overflow: hidden;
            display: flex;
            flex-direction: column;
            max-height: calc(100vh - 100px);
        }
        .modal-header {
            padding: 26px 64px 18px 30px;
            border-bottom: 1px solid var(--border);
            display: flex;
            gap: 18px;
            align-items: flex-start;
        }
        .modal-header .avatar { width: 56px; height: 56px; font-size: 1.05rem; }
        .modal-header-text { flex: 1; min-width: 0; }
        .modal-header h2 {
            font-size: 1.55rem;
            color: var(--navy);
            margin-bottom: 4px;
            line-height: 1.2;
        }
        .modal-header .modal-subtitle {
            font-size: 0.88rem;
            color: var(--text-gray);
        }
        .modal-header .modal-meta-chips {
            display: flex;
            flex-wrap: wrap;
            gap: 6px;
            margin-top: 10px;
        }
        .modal-close {
            position: absolute;
            top: 18px;
            right: 18px;
            width: 36px;
            height: 36px;
            border-radius: 50%;
            background: var(--bg-soft);
            border: 1px solid var(--border);
            color: var(--text-gray);
            cursor: pointer;
            font-size: 1.05rem;
            line-height: 1;
            display: flex;
            align-items: center;
            justify-content: center;
            transition: all 0.15s;
        }
        .modal-close:hover { background: var(--navy); color: var(--white); border-color: var(--navy); }
        .modal-body {
            padding: 22px 30px 28px;
            overflow-y: auto;
            flex: 1;
        }
        .modal-section { margin-bottom: 24px; }
        .modal-section:last-child { margin-bottom: 0; }
        .modal-section h3 {
            font-family: 'DM Sans', sans-serif;
            font-size: 0.78rem;
            text-transform: uppercase;
            letter-spacing: 0.6px;
            color: var(--text-light);
            font-weight: 700;
            margin-bottom: 10px;
        }
        .fact-grid {
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
            gap: 14px 28px;
        }
        .fact-grid dt {
            font-size: 0.74rem;
            color: var(--text-light);
            text-transform: uppercase;
            letter-spacing: 0.4px;
            font-weight: 600;
            margin-bottom: 3px;
        }
        .fact-grid dd {
            font-size: 0.92rem;
            color: var(--navy);
            font-weight: 600;
            word-break: break-word;
        }
        .alias-list {
            display: flex;
            flex-wrap: wrap;
            gap: 6px;
        }
        .alias-tag {
            background: var(--bg-soft);
            border: 1px solid var(--border);
            border-radius: 6px;
            padding: 3px 9px;
            font-size: 0.78rem;
            font-family: 'DM Mono', ui-monospace, SFMono-Regular, monospace;
            color: var(--text-gray);
        }
        .alt-list {
            display: flex;
            flex-direction: column;
            gap: 4px;
            color: var(--text-gray);
            font-size: 0.88rem;
        }
        .alt-list li { list-style: none; }
        .txn-table {
            width: 100%;
            border-collapse: collapse;
            font-size: 0.88rem;
        }
        .txn-table th {
            text-align: left;
            font-size: 0.72rem;
            text-transform: uppercase;
            letter-spacing: 0.4px;
            color: var(--text-light);
            font-weight: 700;
            padding: 6px 8px 6px 0;
            border-bottom: 1px solid var(--border);
        }
        .txn-table td {
            padding: 8px 8px 8px 0;
            border-bottom: 1px solid var(--border);
            color: var(--navy);
        }
        .txn-table tr:last-child td { border-bottom: none; }
        .txn-table .txn-label { font-weight: 600; }
        .txn-table .txn-code {
            font-family: 'DM Mono', ui-monospace, monospace;
            font-size: 0.76rem;
            color: var(--text-light);
            font-weight: 500;
        }
        .txn-status-cell { white-space: nowrap; }
        .modal-source-links {
            display: flex;
            flex-direction: column;
            gap: 8px;
        }
        .modal-source-links a {
            color: var(--teal-dark);
            text-decoration: none;
            font-size: 0.88rem;
            font-weight: 600;
            display: inline-flex;
            align-items: center;
            gap: 6px;
        }
        .modal-source-links a:hover { color: var(--navy); }
        .modal-source-links a svg { width: 12px; height: 12px; }

        .score-explain {
            background: var(--bg-soft);
            border: 1px solid var(--border);
            border-radius: 12px;
            padding: 14px 16px;
            font-size: 0.88rem;
            color: var(--text-gray);
            line-height: 1.55;
        }
        .score-explain b { color: var(--navy); }
        .score-explain ul { margin-top: 8px; margin-left: 18px; }
        .score-explain li { margin-bottom: 3px; }
        .score-explain .raw-points {
            display: inline-block;
            background: var(--white);
            border: 1px solid var(--border);
            border-radius: 6px;
            padding: 1px 8px;
            font-family: 'DM Mono', ui-monospace, monospace;
            font-size: 0.82rem;
            color: var(--navy);
            font-weight: 700;
        }
        .override-pill {
            display: inline-block;
            background: var(--amber-light);
            color: var(--amber);
            border-radius: 6px;
            padding: 1px 8px;
            font-size: 0.76rem;
            font-weight: 600;
            margin: 2px 4px 0 0;
        }

        @media (max-width: 600px) {
            .modal { border-radius: 16px; }
            .modal-header { padding: 22px 22px 16px; }
            .modal-body { padding: 18px 22px 24px; }
            .modal-header h2 { font-size: 1.3rem; }
            .cta-strip { padding: 22px 22px; }
            .cta-strip h3 { font-size: 1.2rem; }
        }