:root{
  --ink:#102a3a;--muted:#5c6c75;--teal:#0b7666;--teal-dark:#075b50;
  --blue:#155f91;--gold:#d6a23f;--coral:#c95e4c;--paper:#fff;
  --wash:#f3f8f7;--blue-wash:#eef4fb;--gold-wash:#fff7e8;--line:#dce6e4;
  --shadow:0 16px 45px rgba(17,52,61,.09);--radius:20px;--small-radius:12px;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--paper);color:var(--ink);font:17px/1.68 Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",sans-serif;text-rendering:optimizeLegibility}
img{display:block;max-width:100%;height:auto}
a{color:var(--blue);text-underline-offset:3px;text-decoration-thickness:1.5px}
a:hover{text-decoration-thickness:2px}
button,input,select,textarea{font:inherit}
button{cursor:pointer}
.shell{width:min(1160px,calc(100% - 40px));margin-inline:auto}
.skip-link{position:fixed;z-index:1000;left:18px;top:10px;transform:translateY(-150%);padding:10px 14px;border-radius:8px;background:var(--ink);color:#fff;font-weight:800}
.skip-link:focus{transform:none}
.site-header{position:sticky;z-index:50;top:0;background:rgba(255,255,255,.96);border-bottom:1px solid var(--line);backdrop-filter:blur(12px)}
.nav-wrap{min-height:76px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.brand{display:inline-flex;align-items:center;gap:11px;color:var(--ink);font-size:1.12rem;font-weight:900;letter-spacing:-.03em;text-decoration:none;white-space:nowrap}
.brand span span{color:var(--teal)}
.main-nav{display:flex;align-items:center;gap:8px;flex-wrap:wrap;justify-content:flex-end}
.main-nav a{color:var(--ink);padding:8px 10px;border-radius:9px;font-size:.92rem;font-weight:750;text-decoration:none}
.main-nav a:hover,.main-nav a:focus-visible{background:var(--wash);color:var(--teal-dark)}
.main-nav .nav-search{border:1px solid var(--line);padding-inline:14px}
.page-hero{overflow:hidden;position:relative;background:linear-gradient(135deg,#f0faf7 0,#fff 52%,#eef4fb 100%);border-bottom:1px solid var(--line)}
.page-hero::after{content:"";position:absolute;right:-110px;top:-150px;width:420px;height:420px;border:80px solid rgba(11,118,102,.05);border-radius:50%;pointer-events:none}
.page-hero .shell{position:relative;z-index:1;padding-block:46px 52px}
.breadcrumbs{display:flex;align-items:center;gap:8px;flex-wrap:wrap;margin-bottom:26px;color:var(--muted);font-size:.82rem;font-weight:700}
.breadcrumbs a{color:var(--muted)}
.eyebrow{margin:0 0 10px;color:var(--teal-dark);font-size:.76rem;font-weight:900;letter-spacing:.12em;text-transform:uppercase}
h1,h2,h3{color:var(--ink);line-height:1.16;letter-spacing:-.025em}
h1{max-width:940px;margin:0;font-size:clamp(2.25rem,5.5vw,4.45rem)}
h2{margin:0 0 16px;font-size:clamp(1.65rem,3vw,2.4rem)}
h3{margin:0 0 9px;font-size:1.16rem}
p{margin:0 0 1em}
.lede{max-width:850px;margin:18px 0 0;color:#405861;font-size:clamp(1.05rem,2vw,1.28rem)}
.page-meta{display:flex;gap:9px;flex-wrap:wrap;margin-top:25px;color:#47616a;font-size:.78rem;font-weight:800}
.page-meta span{padding:6px 11px;border:1px solid #cfe1dd;border-radius:999px;background:rgba(255,255,255,.75)}
.content-shell{padding-block:54px 72px}
.content-shell>section,.content-shell>aside{margin-bottom:58px}
.prose{max-width:820px}
.prose p,.card p{color:#465d66}
.intro-grid{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(300px,.85fr);gap:48px;align-items:center}
.hero-visual{padding:20px;border:1px solid var(--line);border-radius:30px;background:#fff;box-shadow:var(--shadow)}
.action-row{display:flex;flex-wrap:wrap;gap:12px;margin-top:22px}
.button{display:inline-flex;align-items:center;justify-content:center;min-height:46px;padding:10px 17px;border:1px solid var(--teal);border-radius:10px;background:var(--teal);color:#fff;font-weight:850;text-decoration:none}
.button:hover{background:var(--teal-dark);color:#fff;text-decoration:none}
.button.secondary{background:#fff;color:var(--teal-dark)}
.button.secondary:hover{background:var(--wash)}
.button.gold{border-color:var(--gold);background:var(--gold);color:var(--ink)}
.button.gold:hover{background:#c38e2e;color:var(--ink)}
.section-heading{max-width:780px;margin-bottom:24px}
.section-heading p{color:var(--muted)}
.card-grid{display:grid;gap:16px}
.card-grid.two{grid-template-columns:repeat(2,minmax(0,1fr))}
.card-grid.three{grid-template-columns:repeat(3,minmax(0,1fr))}
.card-grid.four{grid-template-columns:repeat(4,minmax(0,1fr))}
.card{padding:23px;border:1px solid var(--line);border-radius:var(--radius);background:#fff;box-shadow:0 5px 22px rgba(17,52,61,.045)}
.card:hover{border-color:#b8d5ce;box-shadow:var(--shadow)}
.card-icon{display:grid;width:40px;height:40px;margin-bottom:20px;place-items:center;border-radius:11px;background:var(--wash);color:var(--teal);font-size:1.1rem;font-weight:900}
.card a.stretched{display:inline-block;margin-top:8px;font-weight:850}
.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--radius);box-shadow:0 7px 25px rgba(17,52,61,.05)}
table{width:100%;min-width:720px;border-collapse:collapse;background:#fff}
caption{padding:17px 18px;background:var(--ink);color:#fff;text-align:left;font-weight:850}
th,td{padding:15px 17px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}
th{background:var(--wash);font-size:.84rem;letter-spacing:.025em;text-transform:uppercase}
tr:last-child td{border-bottom:0}
td strong{color:var(--ink)}
.notice{padding:22px 24px;border:1px solid #e8d19f;border-left:6px solid var(--gold);border-radius:var(--small-radius);background:var(--gold-wash)}
.notice.info{border-color:#b9d6e7;border-left-color:var(--blue);background:var(--blue-wash)}
.notice.caution{border-color:#e7bdb5;border-left-color:var(--coral);background:#fff3f0}
.notice strong{display:block;margin-bottom:5px;font-size:1.05rem}
.notice p:last-child{margin-bottom:0;color:#465d66}
.checklist{display:grid;gap:11px;margin:18px 0;padding:0;list-style:none}
.checklist.two{grid-template-columns:repeat(2,minmax(0,1fr))}
.checklist li{position:relative;padding-left:31px}
.checklist li::before{content:"✓";position:absolute;left:0;top:.1em;display:grid;width:21px;height:21px;place-items:center;border-radius:50%;background:#dff2ec;color:var(--teal-dark);font-size:.76rem;font-weight:900}
.step-list{counter-reset:step;display:grid;gap:14px;padding:0;list-style:none}
.step-list li{counter-increment:step;position:relative;min-height:56px;padding:8px 0 16px 76px;border-bottom:1px solid var(--line)}
.step-list li::before{content:counter(step);position:absolute;left:0;top:0;display:grid;width:52px;height:52px;place-items:center;border-radius:15px;background:var(--ink);color:#fff;font-weight:900}
.step-list strong{display:block;margin-bottom:4px}
.sources{display:grid;grid-template-columns:minmax(230px,.7fr) minmax(0,1.3fr);gap:40px;padding:30px;border-radius:var(--radius);background:var(--ink);color:#fff}
.sources h2{color:#fff}
.sources p{color:#c5d3d8}
.sources ul{display:grid;gap:10px;margin:0;padding:0;list-style:none}
.sources a{display:flex;justify-content:space-between;gap:18px;padding:12px 14px;border:1px solid #3a5562;border-radius:10px;color:#fff;text-decoration:none}
.sources a:hover{background:#183d4b;border-color:#688491}
.external-mark{margin-left:5px;font-size:.8em}
.faq-list{display:grid;gap:12px}
.faq-list details{padding:18px 20px;border:1px solid var(--line);border-radius:var(--small-radius);background:#fff}
.faq-list summary{cursor:pointer;font-weight:850}
.faq-list details p{margin:13px 0 0;color:#465d66}
.state-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:10px}
.state-link{display:flex;align-items:center;justify-content:space-between;gap:10px;padding:12px 14px;border:1px solid var(--line);border-radius:10px;color:var(--ink);font-weight:800;text-decoration:none}
.state-link:hover{border-color:#8ebdb2;background:var(--wash);color:var(--teal-dark)}
.state-link small{color:var(--muted);font-weight:650}
.pill-row{display:flex;flex-wrap:wrap;gap:8px}
.pill{display:inline-flex;padding:7px 11px;border-radius:999px;background:var(--blue-wash);color:var(--blue);font-size:.8rem;font-weight:850}
.term-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}
.term{padding:17px;border-left:4px solid var(--teal);background:var(--wash)}
.term dt{font-weight:900}.term dd{margin:5px 0 0;color:#465d66}
.tool-panel{padding:28px;border:1px solid var(--line);border-radius:var(--radius);background:var(--wash)}
.tool-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:15px}
.plan-inputs{padding:18px;border:1px solid var(--line);border-radius:14px;background:#fff}
.field{display:grid;gap:6px;margin-bottom:14px}
.field label{font-size:.84rem;font-weight:850}
.field input,.field select,.search-box input{width:100%;padding:11px 12px;border:1px solid #b9c9cc;border-radius:8px;background:#fff;color:var(--ink)}
.field input:focus,.field select:focus,.search-box input:focus{outline:3px solid rgba(21,95,145,.18);border-color:var(--blue)}
.result{margin-top:16px;padding:16px;border-radius:11px;background:var(--ink);color:#fff}
.result output{display:block;font-size:1.35rem;font-weight:900}
.result small{color:#c5d3d8}
.tool-disclaimer{margin-top:18px;color:var(--muted);font-size:.88rem}
.search-box{display:flex;gap:10px;margin-bottom:24px}
.search-box input{flex:1}
.search-results{display:grid;gap:12px}
.search-result{padding:19px;border:1px solid var(--line);border-radius:12px}
.search-result h2{margin-bottom:6px;font-size:1.18rem}
.search-result p{margin:0;color:var(--muted)}
.zero-state{padding:25px;border:1px dashed #a9bfc0;border-radius:12px;color:var(--muted);text-align:center}
.comparison-key{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.metric{padding:20px;border-radius:16px;background:var(--blue-wash)}
.metric strong{display:block;font-size:1.5rem}
.site-footer{border-top:1px solid var(--line);background:#f6faf9}
.footer-grid{display:grid;grid-template-columns:1.5fr .75fr .75fr;gap:46px;padding-block:48px}
.footer-grid h2{margin-bottom:13px;font-size:.83rem;text-transform:uppercase;letter-spacing:.1em}
.footer-grid>div>a:not(.brand){display:block;margin:7px 0;color:#405861;font-size:.9rem}
.footer-grid p{max-width:470px;color:#536970;font-size:.9rem}
.footer-brand{margin-bottom:15px}
.legal-line{display:flex;justify-content:space-between;gap:28px;padding-block:20px;border-top:1px solid var(--line);color:#607078;font-size:.76rem}
.legal-line p:first-child{max-width:760px}.legal-line p{margin:0}
@media (max-width:900px){
  .nav-wrap{align-items:flex-start;padding-block:13px}.main-nav{gap:2px}.main-nav a{padding:6px 8px}
  .intro-grid,.sources{grid-template-columns:minmax(0,1fr)}.intro-grid>*{min-width:0}.card-grid.three,.card-grid.four,.state-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
  .tool-grid{grid-template-columns:1fr}.footer-grid{grid-template-columns:1fr 1fr}.footer-grid>div:first-child{grid-column:1/-1}
}
@media (max-width:650px){
  body{font-size:16px}.shell{width:min(100% - 28px,1160px)}.nav-wrap{display:block}.brand{margin-bottom:9px}.main-nav{justify-content:flex-start}
  .main-nav a{font-size:.8rem}.page-hero .shell{padding-block:34px 40px}.content-shell{padding-block:40px 56px}
  .card-grid.two,.card-grid.three,.card-grid.four,.state-grid,.term-grid,.checklist.two,.comparison-key{grid-template-columns:1fr}
  .sources{padding:23px}.footer-grid{grid-template-columns:1fr;gap:25px}.footer-grid>div:first-child{grid-column:auto}.legal-line{display:block}.legal-line p+ p{margin-top:10px}
  .search-box{display:grid}.tool-panel{padding:18px}.page-meta span:nth-child(3){display:none}
}
@media print{
  .site-header,.site-footer,.skip-link,.page-meta,.action-row{display:none!important}.page-hero{background:#fff}.page-hero .shell{padding-block:20px}.content-shell{padding-block:20px}.tool-panel{border:1px solid #777;background:#fff}.shell{width:100%}a{color:#000;text-decoration:none}
}

/* V6 decision worksheets */
.choice-list{display:grid;gap:.75rem;margin:1rem 0 1.25rem}
.choice-list label{display:flex;align-items:flex-start;gap:.7rem;padding:.85rem 1rem;border:1px solid var(--line);border-radius:14px;background:var(--surface)}
.choice-list input{margin-top:.25rem;inline-size:1.15rem;block-size:1.15rem;accent-color:var(--navy)}
@media print{.site-header,.site-footer,.breadcrumbs,.action-row{display:none!important}.tool-panel{box-shadow:none;border:1px solid #777}.choice-list label{break-inside:avoid}}