:root{--ink:#12243a;--muted:#526173;--green:#c1f16b;--line:#dce3e8;--pale:#f3f6f8}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:100px}body{margin:0;font:17px/1.65 Arial,Helvetica,sans-serif;color:var(--ink);background:white}a{color:inherit;text-underline-offset:4px}a:hover{text-decoration:underline}button,input,select{font:inherit}button,a,input,select,summary{outline-offset:5px}button{cursor:pointer}.wrap{max-width:1160px;margin:auto;padding:0 28px}.skip{position:absolute;left:-1000px}.skip:focus{left:20px;top:10px;z-index:9;background:white;padding:10px}.top{background:var(--ink);color:white;font-size:14px;padding:8px 0}.top .wrap{display:flex;justify-content:space-between;gap:15px}header{border-bottom:1px solid var(--line);background:white}nav{display:flex;justify-content:space-between;align-items:center;gap:24px;padding:24px 0}.brand{text-decoration:none;font-weight:800;font-size:21px;letter-spacing:-.7px}.brand small{display:block;font-size:12px;font-weight:600;letter-spacing:2.3px;text-transform:uppercase;color:var(--muted)}.links{display:flex;gap:24px;align-items:center;font-size:15px}.links a{text-decoration:none}.button{display:inline-block;border:1px solid var(--ink);padding:13px 20px;background:var(--ink);color:white;font-weight:700;text-decoration:none;border-radius:5px;line-height:1.4}.button:hover{background:#203c5b;text-decoration:none}.button.lime{background:var(--green);color:var(--ink);border-color:var(--green)}.button.light{background:white;color:var(--ink)}.eyebrow{font-size:13px;font-weight:700;letter-spacing:1.8px;text-transform:uppercase;color:#48642b;margin:0 0 20px}h1,h2,h3{line-height:1.12;letter-spacing:-1.7px;margin:0 0 22px}h1{font-size:clamp(40px,5.1vw,66px);max-width:800px}h2{font-size:clamp(30px,3vw,43px)}h3{font-size:23px;letter-spacing:-.6px}p{margin:0 0 22px}.muted{color:var(--muted)}.hero{display:grid;grid-template-columns:1.15fr .85fr;gap:68px;padding:70px 0 62px;align-items:center}.hero .intro{font-size:19px;color:var(--muted);max-width:600px}.actions{display:flex;align-items:center;flex-wrap:wrap;gap:20px;margin:28px 0}.micro{font-size:14px;color:var(--muted)}.quote-card{border:1px solid var(--line);border-top:5px solid var(--ink);background:var(--pale);padding:30px;border-radius:6px;box-shadow:10px 12px 0 #eaf0e4}.quote-card h2{font-size:28px;letter-spacing:-.8px}.quote-card p{font-size:15px}.field{margin:0 0 16px}label{display:block;font-size:14px;font-weight:700;margin-bottom:5px}input,select{width:100%;padding:11px;border:1px solid #9caab5;background:white;border-radius:4px;min-height:46px}.quote-card .button{width:100%}.form-status{font-size:15px;margin-top:15px}.tagrow{display:flex;gap:22px;flex-wrap:wrap;font-size:14px;border-top:1px solid var(--line);padding-top:21px}.section{padding:70px 0}.soft{background:var(--pale)}.headingrow{display:flex;align-items:end;justify-content:space-between;gap:30px;margin-bottom:30px}.headingrow h2{max-width:620px;margin-bottom:0}.headingrow p{max-width:360px;margin:0;color:var(--muted)}.states{display:grid;grid-template-columns:repeat(5,1fr);gap:12px}.state{display:flex;flex-direction:column;gap:10px;border:1px solid var(--line);padding:22px 18px;text-decoration:none;background:white;border-radius:5px}.state:hover{border-color:var(--ink);text-decoration:none}.state b{font-size:34px;line-height:1.1;letter-spacing:-1px}.state span{font-size:15px}.state em{font-style:normal;font-size:14px;color:var(--muted);margin-top:auto}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.card{border-top:2px solid var(--ink);padding-top:22px}.card p{color:var(--muted)}.number{font:14px monospace;color:#506473;margin-bottom:24px}.feature{background:var(--ink);color:white;padding:45px;border-radius:6px;display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center}.feature .eyebrow{color:var(--green)}.feature p{color:#d6e1ea}.worksheet{border:1px solid #586679;padding:24px;border-radius:5px}.worksheet div{display:flex;justify-content:space-between;gap:14px;padding:12px 0;border-bottom:1px solid #586679;font-size:15px}.worksheet div:last-child{border:0;color:var(--green)}details{padding:22px 0;border-bottom:1px solid var(--line)}summary{font-weight:700;cursor:pointer}details p{margin:16px 0 0;color:var(--muted)}footer{background:var(--ink);color:white;padding:45px 0;font-size:14px}footer .wrap{display:flex;justify-content:space-between;gap:35px;flex-wrap:wrap}footer a{display:inline-block;margin:6px 14px 6px 0}.article{max-width:780px;margin:auto;padding:55px 28px 70px}.article h1{font-size:46px}.article h2{font-size:28px;margin-top:35px}.article li{margin-bottom:12px}.breadcrumbs{font-size:14px;margin-bottom:26px;color:var(--muted)}.source{padding:20px;background:var(--pale);font-size:14px;margin:30px 0}.calculator{display:grid;grid-template-columns:1fr 1fr;gap:16px}.result{background:var(--ink);color:white;padding:25px;margin-top:24px;border-radius:5px}.result strong{font-size:34px;display:block;color:var(--green)}.result p{margin:8px 0;font-size:15px}.full{grid-column:1/-1}@media(max-width:850px){.hero{grid-template-columns:1fr;gap:30px;padding-top:40px}.links{gap:14px;flex-wrap:wrap}.links .button{display:none}.states{grid-template-columns:repeat(3,1fr)}.feature{grid-template-columns:1fr}.cards{grid-template-columns:1fr}.headingrow{display:block}.headingrow p{margin-top:18px}.section{padding:50px 0}}@media(max-width:560px){.wrap{padding:0 20px}nav{align-items:start;flex-direction:column;gap:15px;padding:18px 0}.links{font-size:14px}.top{font-size:12px}.top .wrap span{max-width:185px}.hero{padding-bottom:45px}.quote-card{padding:22px;box-shadow:5px 7px 0 #eaf0e4}.states{grid-template-columns:1fr 1fr}.feature{padding:25px;gap:20px}h1{font-size:42px}.article h1{font-size:38px}.calculator{grid-template-columns:1fr}.tagrow{gap:10px 18px}.section{padding:40px 0}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}@media print{header,.top,footer,.actions{display:none}.article{max-width:none;padding:0}.result{background:white;color:black;border:1px solid black}.result strong{color:black}}