:root{--navy:#0b1e3d;--deep:#071429;--ink:#0f172a;--muted:#4b5668;--line:#e3e8ef;--soft:#f4f6fa;--blue:#1f5eab;--green:#0d7a56;--gold:#e5a634;--red:#b42318;--r:14px}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;font-size:16px;line-height:1.65;color:var(--ink);background:#fff;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto}
a{color:var(--blue);text-decoration:none}a:hover{text-decoration:underline}
h1,h2,h3,h4{color:var(--navy);line-height:1.25;letter-spacing:-.02em;margin:0 0 10px}
h1{font-size:clamp(28px,4vw,40px);font-weight:800}h2{font-size:clamp(22px,3vw,30px);font-weight:800}h3{font-size:19px;font-weight:700}
p{margin:0 0 14px;color:var(--muted)}ul{margin:0;padding:0;list-style:none}
.container{max-width:1160px;margin:0 auto;padding:0 20px}.narrow{max-width:820px}
.sr{position:absolute;left:-9999px}
.small{font-size:14px}.note{font-size:14px;font-style:italic;color:#6b7686;margin-top:10px}.measure{max-width:75ch}
.topbar{background:var(--deep);color:#c5d2ea;font-size:14px;padding:8px 0}.topbar .container{display:flex;flex-wrap:wrap;justify-content:space-between;gap:4px 16px}.topbar a{color:#fff;font-weight:600}.topbar strong{color:#fff}
.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.nav-wrap{display:flex;align-items:center;justify-content:space-between;min-height:68px;gap:16px}
.brand{display:flex;align-items:center;gap:10px;font-size:20px;font-weight:600;color:var(--navy)}.brand b{color:var(--blue);font-weight:800}.brand:hover{text-decoration:none}
.brand-mark{display:inline-grid;place-items:center;width:36px;height:36px;border-radius:10px;background:var(--navy);color:var(--gold);font-weight:800}
.brand-light{color:#fff}.brand-light b{color:var(--gold)}.brand-light .brand-mark{background:var(--gold);color:var(--navy)}
.main-nav{display:flex;align-items:center;gap:22px}.main-nav a{color:var(--navy);font-weight:600;font-size:15px}.main-nav a.btn{color:#2b1c00}
.nav-toggle{display:none;background:none;border:0;padding:8px;cursor:pointer}.nav-toggle span{display:block;width:24px;height:2px;background:var(--navy);margin:5px 0}
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:12px 24px;border-radius:12px;font-weight:700;font-size:16px;border:1.5px solid transparent;cursor:pointer;text-align:center;text-decoration:none!important;transition:transform .15s,background .15s;font-family:inherit}
.btn:hover{transform:translateY(-1px)}
.btn-gold{background:var(--gold);color:#2b1c00!important}.btn-gold:hover{background:#efb345}
.btn-ghost{color:#fff!important;border-color:rgba(255,255,255,.45)}.btn-ghost:hover{border-color:#fff}
.btn-ghost-dark{color:var(--navy)!important;border-color:var(--line)}
.btn-outline{color:var(--navy)!important;border-color:#c9d3e0;background:#fff}.btn-navy{background:var(--navy);color:#fff!important}
.btn-block{display:flex;width:100%;margin-top:10px}.btn-lg{min-height:54px;font-size:17px;padding:14px 32px}.nav-cta{min-height:42px;padding:8px 18px}
.hero{background:radial-gradient(900px 420px at 88% -10%,#1d4a8a 0%,transparent 60%),linear-gradient(160deg,var(--navy),var(--deep));color:#fff;padding:56px 0 96px}
.hero h1{color:#fff;margin-bottom:16px}.hero .lead{color:#cbd7ee;font-size:18px;margin-bottom:22px}.hero .lead strong{color:#fff}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:44px;align-items:start}
.badge{display:inline-block;background:rgba(255,255,255,.1);color:#c9d6ee;font-weight:500;font-size:14px;padding:7px 14px;border-radius:99px;margin-bottom:18px}
.checks{margin:0 0 26px;display:grid;gap:10px}.checks li{position:relative;padding-left:32px;color:#e6edf8}
.checks li::before{content:"\2713";position:absolute;left:0;top:1px;width:22px;height:22px;border-radius:50%;background:var(--gold);color:#2b1c00;font-weight:800;font-size:13px;display:grid;place-items:center}
.checks.dark li{color:var(--muted)}
.cta-row{display:flex;flex-wrap:wrap;gap:12px}
.hero-card{background:#fff;color:var(--ink);border-radius:20px;padding:26px;box-shadow:0 30px 70px rgba(4,12,28,.4)}.hero-card p{color:var(--muted)}
.state-jump select,.form input,.form select,.form textarea,.calc-fields input,.blog-tools input{width:100%;min-height:48px;padding:11px 13px;border:1px solid #cfd7e3;border-radius:10px;background:#fff;color:var(--ink);font-size:16px;font-family:inherit}
.state-jump select{margin-bottom:6px}
.statbar{position:relative;z-index:2;margin-top:-52px}
.stats{display:grid;grid-template-columns:repeat(6,1fr);background:#fff;border:1px solid var(--line);border-radius:18px;box-shadow:0 14px 40px rgba(11,30,61,.12);overflow:hidden}
.stats div{padding:20px 10px;text-align:center;border-right:1px solid var(--line)}.stats div:last-child{border-right:0}
.stats b{display:block;font-size:22px;font-weight:800;color:var(--navy);line-height:1.2}.stats span{font-size:13px;font-weight:600;color:var(--muted)}
.section{padding:60px 0}.soft{background:var(--soft)}
.kicker{color:var(--blue);font-weight:700;font-size:13px;letter-spacing:.08em;text-transform:uppercase;margin:0 0 6px}
.grid{display:grid;gap:18px;margin-top:20px}.grid-2{grid-template-columns:repeat(2,1fr)}.grid-3{grid-template-columns:repeat(3,1fr)}.grid-4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border:1px solid var(--line);border-top:4px solid var(--blue);border-radius:var(--r);padding:22px;box-shadow:0 4px 16px rgba(11,30,61,.05)}.card p:last-child{margin-bottom:0}
.card h3 a{color:var(--navy)}
.step .num{display:inline-grid;place-items:center;width:38px;height:38px;border-radius:50%;background:var(--blue);color:#fff;font-weight:800;margin-bottom:10px}
.table-wrap{overflow-x:auto;background:#fff;border:1px solid var(--line);border-radius:var(--r);margin:20px 0 8px}
table{width:100%;border-collapse:collapse}th,td{text-align:left;padding:13px 18px;border-bottom:1px solid var(--line);vertical-align:top}tr:last-child td{border-bottom:0}
th{background:var(--navy);color:#fff;font-weight:600}.spec td:first-child{width:32%;font-weight:700;color:var(--navy);background:var(--soft)}
.cmp th.us{background:var(--green)}.cmp td.win{color:var(--green);font-weight:700}
.cta-band{background:linear-gradient(135deg,var(--navy),#123163);color:#fff;border-radius:var(--r);padding:24px 28px;display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:16px;margin-top:28px}
.cta-band h2,.cta-band h3{color:#fff;margin:0 0 2px}.cta-band p{color:#b9c8e3;margin:0}
.state-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(170px,1fr));gap:10px;margin-top:18px}
.state-grid a{display:block;background:#fff;border:1px solid var(--line);border-radius:10px;padding:10px 14px;font-weight:600;color:var(--navy)}.state-grid a:hover{border-color:var(--blue);text-decoration:none}
.two-col{display:grid;grid-template-columns:1.1fr .9fr;gap:30px;align-items:start;margin-top:16px}
.callout{background:#fff8e6;border:1px solid #f1d28a;border-radius:10px;padding:12px 14px;color:#5b4300}
.calc{display:grid;grid-template-columns:1.1fr .9fr;gap:22px;margin-top:20px}
.calc-fields{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px;display:grid;grid-template-columns:1fr 1fr;gap:14px}.calc-fields h3{grid-column:1/-1;margin:0}
.calc-fields label{font-weight:600;color:var(--ink);font-size:15px}.calc-fields input{margin-top:5px}
.calc-res{background:var(--navy);color:#fff;border-radius:var(--r);padding:22px;align-self:start}
.calc-res .row{display:flex;justify-content:space-between;gap:12px;padding:11px 0;border-bottom:1px solid rgba(255,255,255,.14)}.calc-res .big{font-size:24px;font-weight:800}
.calc-res .good{color:#7ee2b0}.calc-res .warn{color:#ffd98a}.calc-res .bad{color:#ffb4a6}.calc-res p{color:#c5d2ea}
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;margin-bottom:10px;padding:0 20px}
.faq summary{cursor:pointer;font-weight:600;color:var(--navy);padding:16px 30px 16px 0;list-style:none;position:relative}.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:0;top:12px;font-size:24px;color:var(--blue)}.faq details[open] summary::after{content:"\2013"}
.page-hero{background:linear-gradient(160deg,var(--navy),var(--deep));padding:44px 0}.page-hero h1{color:#fff}.page-hero .lead{color:#cbd7ee;font-size:18px;margin:0;max-width:70ch}
.crumbs{background:#f2f6fc;border-bottom:1px solid var(--line);font-size:14px;padding:10px 0;color:var(--muted)}.crumbs a{text-decoration:underline;text-underline-offset:3px}.crumbs i{font-style:normal;padding:0 8px;color:#9aa7ba}
.post-card .tag,.tag{display:inline-block;background:rgba(31,94,171,.1);color:var(--blue);font-weight:700;font-size:12px;border-radius:99px;padding:3px 10px;margin-bottom:8px;text-transform:uppercase;letter-spacing:.04em}.tag a{color:inherit}
.meta{font-size:14px;color:#6b7686}.more{font-weight:700}
.blog-tools{display:flex;gap:10px;max-width:520px;margin-bottom:14px}
.chips,.pager{display:flex;flex-wrap:wrap;gap:8px;margin:10px 0 6px}.pager{margin-top:26px}
.chip{background:#fff;border:1px solid var(--line);border-radius:99px;padding:6px 14px;font-weight:600;color:var(--navy);font-size:14px}.chip.on{background:var(--navy);color:#fff;border-color:var(--navy)}.chip:hover{text-decoration:none;border-color:var(--blue)}
.post-title{margin:6px 0 8px}
.prose{font-size:17px}.prose h2{margin-top:30px}.prose h3{margin-top:22px}.prose p,.prose li{color:#2b3647}.prose ul,.prose ol{margin:0 0 16px 22px;padding:0}.prose ul{list-style:disc}.prose ol{list-style:decimal}.prose li{margin:5px 0}
.prose table{margin:14px 0}.prose img{border-radius:var(--r)}
.alert{border-radius:var(--r);padding:16px 20px;margin-bottom:20px}.alert.ok{background:#e8f7ef;border:1px solid #9bd5b5}.alert.err{background:#fdecea;border:1px solid #f1a9a0;color:#7a1b12}.alert ul{margin:6px 0 0 18px;list-style:disc}.alert p{color:inherit}
.form fieldset{border:1px solid var(--line);border-radius:var(--r);padding:18px 20px 22px;margin:0 0 20px}.form legend{font-weight:800;color:var(--navy);padding:0 8px}
.fgrid{display:grid;grid-template-columns:1fr 1fr;gap:14px}.fgrid .wide{grid-column:1/-1}
.form label{display:block;font-weight:600;font-size:15px;color:var(--ink)}.form label input,.form label select,.form label textarea{margin-top:5px;font-weight:400}
.form .check{display:flex;gap:10px;align-items:flex-start;margin:6px 0 10px}.form .check input{width:20px;min-height:20px;margin-top:4px}.form .check span{font-weight:400;color:var(--muted)}
.hp{position:absolute;left:-9999px;height:0;overflow:hidden}
.site-footer{background:var(--deep);color:#b9c8e3;padding:46px 0 80px;margin-top:0}.site-footer p{color:#b9c8e3}.site-footer a{color:#dbe7fb}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:30px}.site-footer h4{color:#fff;font-size:16px}.site-footer li{margin:7px 0}
.disclaimer{border-top:1px solid rgba(255,255,255,.12);margin-top:30px;padding-top:20px}.disclaimer p{font-size:13px;line-height:1.6}
.mbar{display:none}
.linkbtn{background:none;border:0;color:var(--red);cursor:pointer;font:inherit;padding:0 0 0 8px}
body.admin{background:var(--soft)}
@media(max-width:980px){.hero-grid,.calc,.two-col{grid-template-columns:1fr}.grid-4,.grid-3{grid-template-columns:repeat(2,1fr)}.stats{grid-template-columns:repeat(3,1fr)}.stats div:nth-child(3){border-right:0}.stats div:nth-child(-n+3){border-bottom:1px solid var(--line)}.foot-grid{grid-template-columns:1fr 1fr}}
@media(max-width:760px){
.nav-toggle{display:block}.main-nav{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;gap:0;padding:8px 20px 16px}.main-nav.open{display:flex}.main-nav a{padding:12px 0;border-bottom:1px solid var(--line)}.main-nav .btn{margin-top:10px;border:0}
.site-header .container{position:relative}.topbar .container{justify-content:center;text-align:center}
.grid-2,.grid-3,.grid-4,.fgrid,.calc-fields,.foot-grid{grid-template-columns:1fr}.stats{grid-template-columns:repeat(2,1fr)}.stats div,.stats div:nth-child(3){border-right:1px solid var(--line);border-bottom:1px solid var(--line)}.stats div:nth-child(2n){border-right:0}.stats div:nth-last-child(-n+2){border-bottom:0}
.section{padding:40px 0}.hero{padding:34px 0 84px}.cta-row .btn,.cta-band .btn{width:100%}.cta-band{flex-direction:column;align-items:flex-start}
.mbar{display:flex;gap:10px;position:fixed;left:0;right:0;bottom:0;z-index:60;background:#fff;border-top:1px solid var(--line);padding:10px 14px calc(10px + env(safe-area-inset-bottom,0px));box-shadow:0 -6px 20px rgba(11,30,61,.1)}.mbar .btn{flex:1;min-height:46px;padding:10px}
}
@media(prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}