:root{
  --navy:#11263d;
  --blue:#1c5d99;
  --light-blue:#eaf3fb;
  --gold:#b8872c;
  --ink:#17212b;
  --muted:#5f6b76;
  --line:#d9e1e8;
  --surface:#ffffff;
  --soft:#f5f7f9;
  --success:#176b45;
  --danger:#a32929;
  --shadow:0 10px 28px rgba(17,38,61,.08);
  --radius:14px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:#fff;line-height:1.55}
a{color:var(--blue);text-underline-offset:3px}
a:hover{text-decoration-thickness:2px}
img{max-width:100%}
.container{width:min(1120px,calc(100% - 32px));margin:0 auto}
.skip-link{position:absolute;left:-9999px;top:8px;background:#fff;padding:10px;z-index:999}
.skip-link:focus{left:8px}
.site-header{border-bottom:1px solid var(--line);background:#fff;position:sticky;top:0;z-index:20}
.header-inner{min-height:66px;display:flex;align-items:center;justify-content:space-between;gap:20px}
.brand{font-weight:800;color:var(--navy);text-decoration:none;letter-spacing:-.02em}
.brand span{color:var(--blue)}
.nav{display:flex;gap:18px;align-items:center;font-size:.95rem}
.nav a{text-decoration:none;color:var(--ink)}
.nav a:hover{color:var(--blue)}
.hero{padding:50px 0 28px;background:linear-gradient(180deg,#f7fbff 0%,#fff 100%)}
.eyebrow{text-transform:uppercase;letter-spacing:.12em;font-weight:800;font-size:.76rem;color:var(--blue)}
h1,h2,h3{color:var(--navy);line-height:1.16}
h1{font-size:clamp(2rem,5vw,3.35rem);letter-spacing:-.045em;margin:.45rem 0 1rem}
h2{font-size:clamp(1.45rem,3vw,2.1rem);letter-spacing:-.025em;margin:0 0 1rem}
h3{font-size:1.1rem;margin:0 0 .4rem}
.lede{font-size:1.12rem;color:var(--muted);max-width:760px}
.rate-banner{display:flex;flex-wrap:wrap;gap:12px;align-items:center;margin-top:22px}
.rate-pill{display:inline-flex;align-items:center;gap:8px;background:var(--light-blue);border:1px solid #c9def0;border-radius:999px;padding:8px 13px;font-weight:700;color:var(--navy)}
.grid{display:grid;gap:24px}
.two-col{grid-template-columns:minmax(0,1.7fr) minmax(260px,.8fr)}
.card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:24px}
.section{padding:34px 0}
.section-soft{background:var(--soft)}
label{display:block;font-weight:700;margin-bottom:6px}
.input-grid{display:grid;grid-template-columns:1fr 1fr 1fr;gap:14px}
input{width:100%;border:1px solid #aab8c5;border-radius:10px;padding:13px 12px;font:inherit;background:#fff}
input:focus{outline:3px solid rgba(28,93,153,.18);border-color:var(--blue)}
.help{font-size:.86rem;color:var(--muted);margin-top:5px}
button,.button{display:inline-flex;align-items:center;justify-content:center;border:0;border-radius:10px;padding:13px 18px;font:inherit;font-weight:800;text-decoration:none;cursor:pointer}
.button-primary,button[type=submit]{background:var(--navy);color:#fff}
.button-primary:hover,button[type=submit]:hover{background:#1b3a59}
.button-secondary{background:#fff;color:var(--navy);border:1px solid var(--line)}
.form-actions{margin-top:18px}
.alert{border-left:4px solid var(--danger);background:#fff4f4;color:#762020;padding:14px 16px;border-radius:8px;margin-top:16px}
.result{scroll-margin-top:82px}
.result-summary{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}
.metric{border:1px solid var(--line);border-radius:12px;padding:15px;background:#fff}
.metric span{display:block;color:var(--muted);font-size:.88rem}
.metric strong{display:block;font-size:1.35rem;margin-top:4px;color:var(--navy)}
.metric-primary{background:var(--navy);border-color:var(--navy)}
.metric-primary span,.metric-primary strong{color:#fff}
.metric-primary strong{font-size:1.75rem}
.cta-card{margin:16px 0;background:linear-gradient(135deg,#eaf3fb,#f8fbfe);border:1px solid #c9def0;border-radius:12px;padding:18px}
.cta-card p{margin:.2rem 0 .8rem}
.source-links{display:flex;flex-wrap:wrap;gap:10px;margin-top:14px}
.source-link{display:inline-flex;gap:6px;align-items:center}
.badge{font-size:.72rem;border:1px solid #b9c6d1;border-radius:999px;padding:2px 7px;color:var(--muted)}
.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:12px}
table{border-collapse:collapse;width:100%;font-size:.93rem}
th,td{padding:11px 12px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}
th{background:#f2f6f9;color:var(--navy);font-weight:800}
tr:last-child td{border-bottom:0}
.faq-list{display:grid;gap:10px}
details.faq{border:1px solid var(--line);border-radius:10px;background:#fff;padding:0 16px}
details.faq summary{cursor:pointer;font-weight:800;color:var(--navy);padding:14px 0}
details.faq p{margin:0 0 16px;color:var(--muted)}
.resource-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}
.resource{border:1px solid var(--line);border-radius:12px;padding:16px;background:#fff}
.resource p{margin:.35rem 0;color:var(--muted)}
.resource small{color:var(--muted)}
.ad-slot{min-height:90px;margin:24px 0}
.sidebar-note{background:#fff8e9;border:1px solid #ead6a8;border-radius:12px;padding:16px}
.disclaimer{font-size:.9rem;color:var(--muted);border-top:1px solid var(--line);padding-top:14px;margin-top:18px}
.site-footer{background:var(--navy);color:#dfe8f0;padding:34px 0;margin-top:36px}
.footer-grid{display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap}
.site-footer a{color:#fff}
.muted{color:var(--muted)}
.kicker{font-size:.88rem;color:var(--muted)}
.check-list{padding-left:1.2rem}
.check-list li{margin:.45rem 0}
@media(max-width:820px){
  .two-col{grid-template-columns:1fr}
  .input-grid{grid-template-columns:1fr}
  .nav{display:none}
  .hero{padding-top:34px}
  .result-summary,.resource-grid{grid-template-columns:1fr}
  .card{padding:19px}
  h1{font-size:2.15rem}
}
@media print{
  .site-header,.site-footer,.ad-slot,.cta-card,.form-actions{display:none!important}
  .card{box-shadow:none}
  body{font-size:11pt}
}