:root{--navy:#0b1426;--navy2:#13203b;--char:#1c2536;--amber:#ffc21a;--amber2:#ff9f1c;--ink:#1a2233;--muted:#4a5568;--bg:#f7f8fb;--card:#fff;--line:#e3e7ef;--r:18px;
--font:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:var(--font);color:var(--ink);background:var(--bg);line-height:1.6;font-size:17px}
a{color:#0b5bd3}a:hover{color:#063f95}
img,svg{max-width:100%}
.wrap{max-width:1160px;margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px;z-index:9}
header.site{background:var(--navy);color:#fff;position:sticky;top:0;z-index:20;border-bottom:1px solid #22304f}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;gap:12px;min-height:64px;flex-wrap:wrap}
.brand{display:flex;align-items:center;gap:10px;color:#fff;text-decoration:none;font-weight:800;font-size:1.25rem;letter-spacing:-.01em}
.brand span b{color:var(--amber)}
nav.main{display:flex;gap:4px;flex-wrap:wrap}
nav.main a{color:#dfe6f3;text-decoration:none;padding:8px 12px;border-radius:999px;font-weight:600;font-size:.95rem}
nav.main a:hover{background:#1f2d4d;color:#fff}
.btn{display:inline-flex;align-items:center;gap:8px;padding:14px 22px;border-radius:999px;font-weight:700;text-decoration:none;border:2px solid transparent;transition:transform .15s,box-shadow .15s;cursor:pointer;font-size:1rem}
.btn:hover{transform:translateY(-2px)}
.btn-amber{background:linear-gradient(135deg,var(--amber),var(--amber2));color:#111;box-shadow:0 8px 24px rgba(255,170,30,.35)}
.btn-amber:hover{color:#000}
.btn-ghost{border-color:#5a6b8f;color:#fff}.btn-ghost:hover{border-color:var(--amber);color:var(--amber)}
.hero{background:radial-gradient(1000px 500px at 85% -10%,rgba(255,194,26,.22),transparent 60%),radial-gradient(800px 400px at 0% 110%,rgba(64,120,255,.25),transparent 60%),linear-gradient(160deg,var(--navy),var(--navy2));color:#fff;padding:72px 0 88px;overflow:hidden}
.hero .wrap{display:grid;gap:40px;align-items:center}
.eyebrow{display:inline-block;background:rgba(255,194,26,.14);color:var(--amber);border:1px solid rgba(255,194,26,.4);padding:4px 12px;border-radius:999px;font-weight:700;font-size:.85rem;letter-spacing:.04em;text-transform:uppercase}
.hero h1{font-size:clamp(2.2rem,6vw,3.8rem);line-height:1.05;margin:16px 0;letter-spacing:-.02em}
.hero h1 em{font-style:normal;background:linear-gradient(90deg,var(--amber),var(--amber2));-webkit-background-clip:text;background-clip:text;color:transparent}
.hero p.sub{font-size:1.2rem;color:#c9d3e6;max-width:560px}
.hero .ctas{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}
.hero-art{display:none;justify-self:center}
.hero-art svg{width:340px;height:auto;filter:drop-shadow(0 20px 50px rgba(255,170,30,.35))}
@media(min-width:900px){.hero .wrap{grid-template-columns:1.3fr 1fr}.hero-art{display:block}}
section.block{padding:64px 0}
h2.sec{font-size:clamp(1.6rem,3.5vw,2.3rem);letter-spacing:-.015em;margin:0 0 8px}
p.lead{color:var(--muted);margin:0 0 28px;font-size:1.1rem}
.grid{display:grid;gap:20px;grid-template-columns:repeat(auto-fill,minmax(270px,1fr))}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:24px;box-shadow:0 2px 6px rgba(15,27,51,.04);transition:transform .15s,box-shadow .15s;display:flex;flex-direction:column}
.card:hover{transform:translateY(-3px);box-shadow:0 14px 30px rgba(15,27,51,.10)}
.card h3{margin:10px 0 8px;font-size:1.2rem;line-height:1.3}
.card h3 a{color:var(--ink);text-decoration:none}.card h3 a::after{content:"";position:absolute;inset:0}
.card{position:relative}
.card p{color:var(--muted);margin:0 0 12px;flex:1}
.card .more{font-weight:700;color:#0b5bd3}
.icon{width:48px;height:48px;border-radius:14px;display:grid;place-items:center;background:linear-gradient(135deg,var(--navy),#22345c);color:var(--amber)}
.tag{display:inline-block;font-size:.75rem;font-weight:800;text-transform:uppercase;letter-spacing:.05em;padding:3px 10px;border-radius:999px;background:#fff3cc;color:#6b4a00;align-self:flex-start}
.calc-sec{background:linear-gradient(180deg,#eef2fa,var(--bg))}
.calc{display:grid;gap:24px}
@media(min-width:900px){.calc{grid-template-columns:1.5fr 1fr}}
.calc-items{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:8px}
.calc-row{display:flex;justify-content:space-between;align-items:center;gap:12px;padding:12px;border-bottom:1px solid var(--line)}
.calc-row:last-child{border-bottom:0}
.calc-check{display:flex;gap:12px;align-items:flex-start;cursor:pointer}
.calc-check input{width:22px;height:22px;margin-top:3px;accent-color:#e09000}
.calc-check small{display:block;color:var(--muted);font-size:.82rem;line-height:1.4}
.calc-hours{font-size:.85rem;color:var(--muted);white-space:nowrap}
.calc-hours input{width:68px;padding:8px;border:1px solid #c5cddb;border-radius:10px;font-size:1rem;margin-left:4px}
.results{background:linear-gradient(160deg,var(--navy),var(--navy2));color:#fff;border-radius:var(--r);padding:28px;align-self:start;position:sticky;top:84px}
.results .stat{display:flex;justify-content:space-between;border-bottom:1px solid #2a3a5e;padding:12px 0;gap:8px}
.results .stat span{color:#b8c4db}.results .stat strong{font-size:1.35rem;color:#fff}
.bracket{margin-top:18px;background:rgba(255,194,26,.12);border:1px solid rgba(255,194,26,.45);border-radius:14px;padding:16px}
.bracket .b{font-size:1.6rem;font-weight:800;color:var(--amber)}
.results .fine{font-size:.82rem;color:#b8c4db;margin-top:14px}
.results a{color:var(--amber)}
.trust{background:var(--navy);color:#fff;border-radius:28px;padding:40px;display:grid;gap:24px}
@media(min-width:800px){.trust{grid-template-columns:repeat(3,1fr)}}
.trust h3{color:var(--amber);margin:8px 0}.trust p{color:#c9d3e6;margin:0}
.news{background:linear-gradient(135deg,var(--amber),var(--amber2));border-radius:28px;padding:40px;display:grid;gap:16px;align-items:center}
@media(min-width:800px){.news{grid-template-columns:1.2fr 1fr}}
.news h2{margin:0;color:#111}.news p{margin:6px 0 0;color:#2a2000}
.news form{display:flex;gap:8px;flex-wrap:wrap}
.news input{flex:1;min-width:200px;padding:14px 16px;border-radius:999px;border:2px solid #111;font-size:1rem}
.news button{background:#111;color:#fff;border:0}
footer.site{background:var(--navy);color:#b8c4db;padding:40px 0;margin-top:64px;font-size:.95rem}
footer.site a{color:#fff}
footer.site .wrap{display:grid;gap:16px}
@media(min-width:800px){footer.site .wrap{grid-template-columns:2fr 1fr}}
/* Article */
.art-head{background:linear-gradient(160deg,var(--navy),var(--navy2));color:#fff;padding:48px 0}
.art-head h1{font-size:clamp(1.8rem,4.5vw,2.8rem);line-height:1.15;margin:12px 0;max-width:860px;letter-spacing:-.015em}
.art-head p{color:#c9d3e6;max-width:760px;font-size:1.1rem}
.badge{display:inline-flex;gap:6px;align-items:center;background:rgba(255,194,26,.15);border:1px solid rgba(255,194,26,.5);color:var(--amber);padding:5px 12px;border-radius:999px;font-weight:700;font-size:.85rem}
.art-layout{display:grid;gap:40px;padding-top:32px}
@media(min-width:1040px){.art-layout{grid-template-columns:240px minmax(0,720px);justify-content:center}}
.toc{font-size:.92rem}
.toc nav{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:16px}
.toc strong{display:block;margin-bottom:6px}
.toc ul{list-style:none;padding:0;margin:0}.toc ul ul{padding-left:12px}
.toc a{display:block;padding:4px 0;color:var(--muted);text-decoration:none}.toc a:hover{color:#0b5bd3}
@media(min-width:1040px){.toc nav{position:sticky;top:84px;max-height:calc(100vh - 100px);overflow:auto}}
.prose{font-size:18px;line-height:1.75;max-width:720px;min-width:0}
.prose h2{font-size:1.6rem;margin:2em 0 .5em;line-height:1.25;scroll-margin-top:84px}
.prose h3{font-size:1.25rem;margin:1.6em 0 .4em;scroll-margin-top:84px}
.disclosure{background:#eef2fa;border-left:4px solid #5a6b8f;padding:12px 16px;border-radius:10px;font-size:.92rem;color:var(--muted)}
.table-wrap{overflow-x:auto;margin:1.4em 0;border-radius:14px;border:1px solid var(--line);background:#fff}
.prose table{border-collapse:collapse;width:100%;font-size:.92rem}
.prose th{background:var(--navy);color:#fff;text-align:left;padding:10px 12px}
.prose td{padding:10px 12px;border-top:1px solid var(--line);vertical-align:top}
.prose tr:nth-child(even) td{background:#f7f9fc}
.prose blockquote{margin:1.5em 0;background:#fffaeb;border:1px solid #f3d27a;border-left:6px solid var(--amber2);border-radius:14px;padding:4px 20px}
.prose pre{background:var(--navy);color:#ffe9a8;padding:16px;border-radius:14px;overflow-x:auto;font-size:.9rem}
.prose code{background:#eef2fa;padding:1px 6px;border-radius:6px;font-size:.9em}.prose pre code{background:none;padding:0}
.aff{display:inline-flex;align-items:center;gap:6px;background:linear-gradient(135deg,var(--amber),var(--amber2));color:#111!important;font-weight:800;text-decoration:none;padding:8px 18px;border-radius:999px;font-size:.95rem;margin:2px 0;box-shadow:0 4px 12px rgba(255,170,30,.3)}
.aff small{font-weight:600;opacity:.75}
.ph{background:#ffeb3b;color:#111;border:2px dashed #b38f00;padding:2px 6px;border-radius:6px;font-weight:700;font-size:.92em}
.sources{margin-top:3em;padding-top:1em;border-top:2px solid var(--line);font-size:.9rem;word-break:break-word}
.related{margin-top:3em}
.page{max-width:760px;padding:48px 20px}
.page h1{font-size:2.4rem;letter-spacing:-.02em}
.filters{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:24px}
.filters button{border:2px solid var(--line);background:#fff;border-radius:999px;padding:8px 16px;font-weight:700;cursor:pointer;font-size:.95rem;color:var(--ink)}
.filters button[aria-pressed=true]{background:var(--navy);color:#fff;border-color:var(--navy)}
.empty{color:var(--muted)}
:focus-visible{outline:3px solid var(--amber2);outline-offset:2px}