:root{
  --navy:#0a1733;
  --navy-2:#16284f;
  --navy-3:#1f3766;
  --teal:#14e0c0;
  --teal-2:#0fb89e;
  --teal-glow:rgba(20,224,192,.18);
  --paper:#f4f7fb;
  --ink:#0a1733;
  --ink-2:#475674;
  --ink-3:#7a8aa6;
  --rule:#dde3ee;
  --rule-2:#eef2f8;
  --card:#ffffff;
  --warn:#ff7a59;
  --shadow-sm:0 1px 0 rgba(10,23,51,.04), 0 6px 18px -10px rgba(10,23,51,.18);
  --shadow-md:0 1px 0 rgba(10,23,51,.04), 0 22px 50px -22px rgba(10,23,51,.28);
  --shadow-lg:0 30px 80px -30px rgba(10,23,51,.45);
  --display:'Barlow Condensed','Oswald','Bebas Neue',Impact,sans-serif;
  --sans:'Inter',system-ui,-apple-system,Segoe UI,Roboto,Helvetica,Arial,sans-serif;
}
*{box-sizing:border-box}
html,body{margin:0;padding:0}
body{font-family:var(--sans);background:var(--paper);color:var(--ink);line-height:1.55;font-size:16.5px;-webkit-font-smoothing:antialiased}
.container{max-width:1180px;margin:0 auto;padding:0 24px}
a{color:var(--navy-2);text-decoration:none}
a:hover{color:var(--teal-2);text-decoration:underline;text-underline-offset:3px}

h1,h2,h3,h4,h5{font-family:var(--display);color:var(--navy);line-height:1.05;letter-spacing:.005em;margin:0 0 .35em;font-weight:700;text-transform:none}
h1{font-size:clamp(2.4rem,4.4vw,3.6rem);letter-spacing:-.005em}
h2{font-size:clamp(1.7rem,2.6vw,2.15rem);margin-top:1.5em}
h3{font-size:1.35rem}
h4{font-size:.95rem;text-transform:uppercase;letter-spacing:.14em;color:var(--ink-2);font-weight:700}
p{margin:0 0 1.05em}
ul{padding-left:1.25em}
strong{color:var(--navy)}

.skip{position:absolute;left:-9999px}
.skip:focus{left:8px;top:8px;background:var(--teal);color:var(--navy);padding:8px 12px;border-radius:6px;z-index:10;font-weight:700}

/* Header */
.site-header{background:var(--navy);border-bottom:1px solid var(--navy-3);position:sticky;top:0;z-index:5;color:#dfe6f4}
.header-row{display:flex;align-items:center;justify-content:space-between;padding:14px 24px;gap:24px;flex-wrap:wrap}
.brand{display:flex;align-items:center;gap:10px;color:#fff}
.brand:hover{text-decoration:none}
.brand-mark{color:var(--teal);display:inline-flex;filter:drop-shadow(0 0 12px var(--teal-glow))}
.brand-name{font-family:var(--display);font-weight:700;font-size:1.7rem;letter-spacing:.02em;text-transform:uppercase}
.primary-nav{display:flex;gap:22px;flex-wrap:wrap}
.primary-nav a{color:#bccae0;font-weight:500;font-size:.92rem;text-transform:uppercase;letter-spacing:.06em;font-family:var(--sans);padding:6px 0;border-bottom:2px solid transparent}
.primary-nav a:hover{color:var(--teal);border-bottom-color:var(--teal);text-decoration:none}

/* Hero with calculator front-and-center */
.hero{background:radial-gradient(1200px 600px at 80% -10%,rgba(20,224,192,.14),transparent 60%),linear-gradient(160deg,var(--navy) 0%,var(--navy-2) 60%,#0d2049 100%);color:#e2eaf8;position:relative;overflow:hidden;padding:56px 0 64px}
.hero::before{content:"";position:absolute;inset:0;background:radial-gradient(800px 400px at 10% 110%,rgba(20,224,192,.08),transparent 60%);pointer-events:none}
.hero .container{position:relative}
.hero-grid{display:grid;grid-template-columns:.95fr 1.05fr;gap:48px;align-items:center}
@media (max-width:980px){.hero-grid{grid-template-columns:1fr;gap:32px}}
.hero h1{color:#fff;margin-bottom:.4em}
.hero h1 .accent{color:var(--teal)}
.hero p.lede{font-size:1.15rem;color:#bccae0;max-width:46ch;margin-bottom:1.6em}
.hero-meta{display:flex;gap:24px;flex-wrap:wrap;margin-bottom:24px}
.hero-meta-item{display:flex;flex-direction:column}
.hero-meta-item .num{font-family:var(--display);font-size:2.1rem;color:var(--teal);font-weight:700;line-height:1}
.hero-meta-item .label{font-size:.78rem;color:#9caedc;text-transform:uppercase;letter-spacing:.12em;margin-top:4px}
.cta{display:inline-block;background:var(--teal);color:var(--navy);font-weight:700;padding:14px 22px;border-radius:8px;border:1px solid var(--teal-2);font-family:var(--sans);transition:transform .12s ease,box-shadow .12s ease,background .12s ease}
.cta:hover{background:#1ff4d1;color:var(--navy);text-decoration:none;transform:translateY(-1px);box-shadow:0 16px 40px -12px var(--teal-glow)}
.cta--ghost{background:transparent;color:#e2eaf8;border:1px solid #ffffff33;margin-left:10px}
.cta--ghost:hover{background:#ffffff10;color:#fff}

/* Hero calculator panel — the primary calculator above the fold */
.hero-calc{background:#fff;border-radius:14px;padding:28px;box-shadow:var(--shadow-lg);color:var(--ink);position:relative}
.hero-calc::before{content:"";position:absolute;inset:-1px;border-radius:14px;background:linear-gradient(135deg,var(--teal),transparent 50%);z-index:-1;opacity:.5}
.hero-calc-tag{display:inline-block;background:var(--teal-glow);color:var(--teal-2);padding:4px 10px;border-radius:999px;font-size:.72rem;font-weight:700;text-transform:uppercase;letter-spacing:.12em;margin-bottom:10px}
.hero-calc h2{margin:0 0 4px;font-size:1.7rem;color:var(--navy)}
.hero-calc .sub{color:var(--ink-2);font-size:.95rem;margin:0 0 18px}

/* Calculator forms (white panels) */
.calc-panel{background:#fff;border:1px solid var(--rule);border-radius:12px;padding:24px;margin:24px 0;box-shadow:var(--shadow-sm)}
.calc-form .row,.calc-form-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:14px}
.calc-form-grid.cols-3{grid-template-columns:repeat(3,minmax(0,1fr))}
.calc-form-grid.cols-2{grid-template-columns:repeat(2,minmax(0,1fr))}
@media (max-width:780px){.calc-form .row,.calc-form-grid,.calc-form-grid.cols-3,.calc-form-grid.cols-2{grid-template-columns:1fr 1fr}}
@media (max-width:500px){.calc-form .row,.calc-form-grid,.calc-form-grid.cols-3,.calc-form-grid.cols-2{grid-template-columns:1fr}}
.calc-form label{display:flex;flex-direction:column;font-size:.74rem;color:var(--ink-2);text-transform:uppercase;letter-spacing:.1em;font-weight:600}
.calc-form input,.calc-form select{font-family:inherit;font-size:1rem;padding:11px 12px;border:1.5px solid var(--rule);border-radius:8px;margin-top:6px;background:#fff;color:var(--ink);font-weight:500;transition:border-color .12s ease,box-shadow .12s ease}
.calc-form input:focus,.calc-form select:focus{outline:none;border-color:var(--teal);box-shadow:0 0 0 4px var(--teal-glow)}
.calc-actions{margin-top:16px;display:flex;gap:10px;flex-wrap:wrap;align-items:center}
.btn{background:var(--navy);color:#fff;border:1px solid var(--navy-2);padding:11px 20px;border-radius:8px;font:inherit;font-weight:600;cursor:pointer;transition:background .12s ease,transform .12s ease}
.btn:hover{background:var(--navy-2)}
.btn.primary{background:var(--teal);color:var(--navy);border-color:var(--teal-2)}
.btn.primary:hover{background:#1ff4d1}
.btn.secondary{background:transparent;color:var(--navy);border-color:var(--navy)}
.btn.secondary:hover{background:var(--navy);color:#fff}
.calc-result{margin-top:18px;padding:18px 20px;background:#0a1733;color:#e2eaf8;border-radius:10px;border-left:4px solid var(--teal);display:grid;gap:6px;font-size:.96rem}
.calc-result .big{font-family:var(--display);font-size:1.65rem;color:var(--teal);font-weight:700}
.calc-result .row{display:flex;justify-content:space-between;gap:14px}
.calc-result .row strong{color:#fff}

/* Sections */
section.block{padding:64px 0}
section.block.tight{padding:36px 0}
section.alt{background:#fff;border-top:1px solid var(--rule);border-bottom:1px solid var(--rule)}
section.dark{background:var(--navy);color:#dfe6f4}
section.dark h2,section.dark h3{color:#fff}
section.dark .card{background:var(--navy-2);border-color:var(--navy-3);color:#dfe6f4}
section.dark .card h3{color:#fff}
section.dark .card p{color:#9caedc}

.section-head{display:flex;align-items:end;justify-content:space-between;gap:16px;margin-bottom:24px;flex-wrap:wrap}
.section-head h2{margin:0}
.section-head p{margin:6px 0 0;color:var(--ink-2);max-width:60ch}
section.dark .section-head p{color:#9caedc}
.eyebrow{display:inline-block;font-family:var(--sans);font-size:.78rem;text-transform:uppercase;letter-spacing:.16em;color:var(--teal-2);font-weight:700;margin-bottom:8px}
section.dark .eyebrow{color:var(--teal)}

/* Grid + cards */
.grid{display:grid;gap:18px}
.grid.cols-2{grid-template-columns:repeat(2,1fr)}
.grid.cols-3{grid-template-columns:repeat(3,1fr)}
.grid.cols-4{grid-template-columns:repeat(4,1fr)}
.grid.cols-5{grid-template-columns:repeat(5,1fr)}
@media (max-width:1080px){.grid.cols-4,.grid.cols-5{grid-template-columns:repeat(3,1fr)}}
@media (max-width:880px){.grid.cols-3,.grid.cols-4,.grid.cols-5{grid-template-columns:repeat(2,1fr)}}
@media (max-width:540px){.grid.cols-2,.grid.cols-3,.grid.cols-4,.grid.cols-5{grid-template-columns:1fr}}

.card{display:block;background:var(--card);border:1px solid var(--rule);border-radius:10px;padding:18px 18px 16px;color:var(--ink);transition:transform .12s ease,box-shadow .12s ease,border-color .12s ease}
.card:hover{transform:translateY(-2px);box-shadow:var(--shadow-md);border-color:var(--teal);text-decoration:none}
.card h3{margin:0 0 6px;color:var(--navy);font-size:1.15rem}
.card p{margin:0;color:var(--ink-2);font-size:.93rem;line-height:1.5}
.card-tag{display:inline-block;background:var(--teal-glow);color:var(--teal-2);font-size:.7rem;font-weight:700;padding:3px 8px;border-radius:999px;margin-bottom:8px;text-transform:uppercase;letter-spacing:.1em;font-family:var(--sans)}

/* Article body with sidebar */
.article{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:48px;padding:32px 0 56px}
@media (max-width:980px){.article{grid-template-columns:1fr;gap:24px}}
.article main h2{margin-top:1.6em}
.article main p{font-size:1.04rem;color:var(--ink)}
.article main ul li{margin-bottom:.4em}
.article aside{position:sticky;top:90px;align-self:start}
.aside-card{background:#fff;border:1px solid var(--rule);border-radius:10px;padding:18px;margin-bottom:16px}
.aside-card h4{margin-top:0}
.aside-card ul{list-style:none;padding:0;margin:0}
.aside-card ul li{padding:7px 0;border-bottom:1px dashed var(--rule);font-size:.93rem}
.aside-card ul li:last-child{border-bottom:none}
.aside-card .muted{color:var(--ink-2);font-size:.9rem}

.kv{display:grid;grid-template-columns:max-content 1fr;column-gap:18px;row-gap:8px;margin:0 0 1.4em;background:#fff;border:1px solid var(--rule);border-radius:10px;padding:16px 18px}
.kv dt{color:var(--ink-2);font-size:.78rem;text-transform:uppercase;letter-spacing:.1em;font-weight:600;align-self:center}
.kv dd{margin:0;font-weight:600;color:var(--navy);font-size:1rem}
.kv dd a{color:var(--teal-2)}

.callout{background:#fff;border-left:4px solid var(--teal);padding:16px 20px;border-radius:6px;border-top:1px solid var(--rule);border-right:1px solid var(--rule);border-bottom:1px solid var(--rule);margin:1.4em 0}
.callout strong{color:var(--navy)}

.breadcrumbs{font-size:.86rem;color:var(--ink-2);padding:18px 0 0}
.breadcrumbs ol{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:6px}
.breadcrumbs li:not(:last-child)::after{content:"›";margin-left:6px;color:var(--ink-3)}
.breadcrumbs a{color:var(--ink-2)}
.breadcrumbs a:hover{color:var(--teal-2)}

/* Related Resources block (PBN slots) */
.related-resources{background:#fff;border:1px solid var(--rule);border-radius:12px;padding:22px 24px;margin:0;box-shadow:var(--shadow-sm)}
.related-resources h4{margin:0 0 14px;color:var(--navy);font-family:var(--display);font-size:1.2rem;text-transform:none;letter-spacing:0;font-weight:700}
.related-list{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(3,1fr);gap:14px 24px}
@media (max-width:780px){.related-list{grid-template-columns:1fr 1fr}}
@media (max-width:500px){.related-list{grid-template-columns:1fr}}
.related-item{padding:12px 14px;background:var(--rule-2);border-radius:8px;border-left:3px solid var(--teal)}
.related-item .related-link{display:block;color:var(--navy);font-weight:600;font-size:.95rem;line-height:1.3}
.related-item .related-link:hover{color:var(--teal-2);text-decoration:none}
.related-item .related-sub{display:block;font-size:.82rem;color:var(--ink-2);margin-top:4px;line-height:1.4}
.footer-related{background:var(--paper);padding:48px 0 32px;border-top:1px solid var(--rule)}

/* Inline link slots */
.inline-link{color:var(--teal-2);font-weight:500;border-bottom:1px dotted var(--teal-2)}
.inline-link:hover{color:var(--navy);border-bottom-color:var(--navy);text-decoration:none}

/* State table */
.state-table{width:100%;border-collapse:collapse;margin:18px 0;background:#fff;border:1px solid var(--rule);border-radius:10px;overflow:hidden;font-size:.92rem}
.state-table th,.state-table td{text-align:left;padding:10px 14px;border-bottom:1px solid var(--rule)}
.state-table th{background:var(--rule-2);font-family:var(--display);font-size:1rem;color:var(--navy);text-transform:uppercase;letter-spacing:.05em}
.state-table tr:last-child td{border-bottom:none}
.state-table tr:hover td{background:var(--rule-2)}
.state-table a{color:var(--navy);font-weight:600}

/* States atlas grid */
.states-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:8px}
@media (max-width:880px){.states-grid{grid-template-columns:repeat(3,1fr)}}
@media (max-width:520px){.states-grid{grid-template-columns:repeat(2,1fr)}}
.state-tile{display:flex;flex-direction:column;align-items:flex-start;background:#fff;border:1px solid var(--rule);border-radius:8px;padding:12px;color:var(--navy);transition:all .12s ease}
.state-tile:hover{border-color:var(--teal);text-decoration:none;transform:translateY(-1px);box-shadow:var(--shadow-sm)}
.state-tile .abbr{font-family:var(--display);font-size:1.6rem;font-weight:700;line-height:1;color:var(--teal-2)}
.state-tile .name{font-size:.85rem;font-weight:600;color:var(--navy);margin-top:2px}
.state-tile .min{font-size:.72rem;color:var(--ink-2);margin-top:4px}

/* Footer */
.site-footer{background:var(--navy);color:#9caedc;margin-top:0}
.site-footer a{color:#bccae0}
.site-footer a:hover{color:var(--teal)}
.site-footer h4{color:#fff}
.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:32px;padding:48px 24px 24px}
@media (max-width:880px){.footer-grid{grid-template-columns:1fr 1fr;gap:28px}}
@media (max-width:520px){.footer-grid{grid-template-columns:1fr}}
.footer-grid ul{list-style:none;padding:0;margin:0}
.footer-grid li{padding:5px 0}
.brand-row{display:flex;align-items:center;gap:8px;margin-bottom:10px;color:#fff}
.brand-name--footer{color:#fff;font-size:1.45rem}
.muted{color:#7a8aa6;font-size:.93rem}
.footer-bottom{border-top:1px solid var(--navy-3);padding:18px 24px;color:#7a8aa6}

/* Index page filter */
.index-tools{display:flex;gap:12px;align-items:center;margin:0 0 22px;flex-wrap:wrap}
.index-tools input[type=search]{font:inherit;padding:10px 14px;border:1.5px solid var(--rule);border-radius:8px;min-width:260px;background:#fff}
.index-tools input[type=search]:focus{outline:none;border-color:var(--teal);box-shadow:0 0 0 4px var(--teal-glow)}
.tag{display:inline-block;background:var(--rule-2);color:var(--navy-2);padding:3px 10px;border-radius:999px;font-size:.78rem;font-weight:600;margin-right:6px}

/* Error + Misc */
.error-page{padding:80px 24px;text-align:center}
.error-page .code{font-family:var(--display);font-size:6rem;color:var(--teal);line-height:1}