:root{--ink:#17233b;--mut:#5a6a85;--acc:#0b6e4f;--acc2:#e8f5f0;--line:#d9e1ec;--bg:#f7f9fc;--card:#fff;--warn:#fff7e6}
*{box-sizing:border-box}html{margin:0}body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.55}
a{color:var(--acc)}a:hover{text-decoration:underline}
.wrap{max-width:980px;margin:0 auto;padding:0 16px}
header.site{background:#0e2a47;color:#fff;padding:12px 0}
header.site .wrap{display:flex;align-items:center;gap:18px;flex-wrap:wrap}
.logo{font-weight:800;font-size:1.35rem;color:#fff;text-decoration:none}
.logo span{color:#7ee2bc}
nav.main{display:flex;gap:14px;flex-wrap:wrap;margin-left:auto}
nav.main a{color:#dbe7f5;text-decoration:none;font-size:.95rem}
nav.main a:hover{color:#fff;text-decoration:underline}
.hero{background:linear-gradient(180deg,#0e2a47,#11456f);color:#fff;padding:28px 0 36px}
.hero h1{margin:.2em 0 .3em;font-size:2rem;line-height:1.2}
.hero p.lede{color:#d7e6f5;max-width:44em}
main{padding:22px 0 40px}
h1{font-size:1.9rem;line-height:1.25;margin:.4em 0}
h2{font-size:1.35rem;margin:1.4em 0 .5em}
h3{font-size:1.1rem}
.card{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:18px;margin:16px 0;box-shadow:0 1px 3px rgba(16,42,71,.05)}
.answer{background:var(--acc2);border-left:5px solid var(--acc);border-radius:8px;padding:14px 16px;margin:16px 0}
.answer p{margin:0}
form.calc{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:12px}
form.calc label{display:block;font-weight:600;font-size:.92rem;margin-bottom:4px}
form.calc input,form.calc select{width:100%;padding:10px;border:1px solid var(--line);border-radius:8px;font-size:1rem;background:#fff}
form.calc .actions{grid-column:1/-1}
button.btn{background:var(--acc);color:#fff;border:0;border-radius:8px;padding:12px 22px;font-size:1rem;font-weight:700;cursor:pointer}
button.btn:hover{background:#095c42}
table.results,table.data{width:100%;border-collapse:collapse;margin:10px 0;font-size:.97rem}
table.results th,table.data th{text-align:left;font-weight:600;padding:7px 8px;border-bottom:1px solid var(--line)}
table.results td,table.data td{text-align:right;padding:7px 8px;border-bottom:1px solid var(--line);font-variant-numeric:tabular-nums}
table.results tr.total td,table.results tr.total th{font-weight:800;border-top:2px solid var(--ink)}
table.results tr.subtotal td,table.results tr.subtotal th{font-weight:700}
table.data td{text-align:left}table.data td:last-child{text-align:right}
caption{text-align:left;font-weight:700;padding:6px 0}
.fineprint{font-size:.85rem;color:var(--mut)}
.disclaimer{background:var(--warn);border:1px solid #ecd9a0;border-radius:8px;padding:12px 14px;font-size:.92rem;margin:18px 0}
.grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(210px,1fr));gap:12px}
.grid a.card{margin:0;text-decoration:none;color:var(--ink)}
.grid a.card:hover{border-color:var(--acc)}
.grid .card h3{margin:.2em 0 .3em;color:var(--acc)}
.grid .card p{margin:0;color:var(--mut);font-size:.92rem}
ul.states{columns:3;column-gap:28px;padding-left:18px}
@media(max-width:640px){ul.states{columns:2}.hero h1{font-size:1.55rem}h1{font-size:1.5rem}}
.faq details{border:1px solid var(--line);border-radius:8px;background:#fff;margin:8px 0;padding:10px 14px}
.faq summary{font-weight:700;cursor:pointer}
.faq p{margin:.5em 0 .2em}
.crumbs{font-size:.88rem;color:var(--mut);margin:10px 0}
.crumbs a{color:var(--mut)}
footer.site{background:#0e2a47;color:#c9d8ea;padding:26px 0;margin-top:30px;font-size:.92rem}
footer.site a{color:#a9e8cf}
footer.site .cols{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:16px}
footer.site ul{list-style:none;padding:0;margin:.4em 0}footer.site li{margin:3px 0}
.sr-only{position:absolute;left:-9999px}