:root{--bg:#f6f8fb;--paper:#fff;--ink:#172033;--muted:#56637a;--brand:#155eef;--brand2:#0f3f9c;--line:#dfe6f0;--soft:#eef4ff;--good:#0f8b4c;--warn:#a15c00;--bad:#b42318;--shadow:0 18px 45px rgba(22,34,51,.08);--radius:18px;}
*{box-sizing:border-box}body{margin:0;background:var(--bg);color:var(--ink);font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;line-height:1.65;font-size:16px}a{color:var(--brand);text-decoration:none}a:hover{text-decoration:underline}.skip{position:absolute;left:-9999px}.skip:focus{left:12px;top:12px;background:#fff;border:2px solid var(--brand);padding:10px;z-index:99}.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}.header-inner{max-width:1180px;margin:0 auto;padding:14px 20px;display:flex;align-items:center;justify-content:space-between;gap:18px}.brand{display:flex;align-items:center;gap:10px;color:var(--ink);font-weight:800;font-size:20px}.logo{width:36px;height:36px;border-radius:10px;background:linear-gradient(135deg,var(--brand),#28c76f);display:inline-flex;align-items:center;justify-content:center;color:#fff;font-weight:900}.nav{display:flex;align-items:center;gap:16px;flex-wrap:wrap}.nav a{color:var(--ink);font-weight:650;font-size:14px}.nav .cta{background:var(--brand);color:#fff;padding:10px 14px;border-radius:999px}.nav-toggle{display:none;background:#fff;border:1px solid var(--line);border-radius:10px;padding:8px}.hero{background:linear-gradient(135deg,#071a4a,#155eef 65%,#17a873);color:#fff;padding:64px 20px}.hero-inner{max-width:1180px;margin:0 auto;display:grid;grid-template-columns:1.2fr .8fr;gap:34px;align-items:center}.hero h1{font-size:clamp(34px,5vw,58px);line-height:1.05;margin:0 0 18px}.hero p{font-size:19px;color:#e8efff}.hero-card{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.3);padding:24px;border-radius:var(--radius);backdrop-filter:blur(7px)}.wrap{max-width:1180px;margin:0 auto;padding:34px 20px}.grid{display:grid;gap:22px}.grid-2{grid-template-columns:repeat(2,minmax(0,1fr))}.grid-3{grid-template-columns:repeat(3,minmax(0,1fr))}.grid-4{grid-template-columns:repeat(4,minmax(0,1fr))}.card{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow)}.card.small{padding:18px}.eyebrow{display:inline-flex;align-items:center;gap:8px;color:var(--brand2);background:var(--soft);border:1px solid #cbdcff;padding:6px 10px;border-radius:999px;font-size:13px;font-weight:750}.pill{display:inline-block;background:#eef4ff;border:1px solid #d7e4ff;color:#173a86;border-radius:999px;padding:5px 9px;font-size:13px;margin:3px}.muted{color:var(--muted)}.notice{border-left:5px solid var(--brand);background:#f4f8ff;padding:16px;border-radius:12px}.warning{border-left-color:var(--warn);background:#fff8ed}.success{border-left-color:var(--good);background:#effaf4}.breadcrumbs{font-size:14px;color:var(--muted);margin:0 0 18px}.breadcrumbs a{color:var(--muted)}h1,h2,h3{line-height:1.2;color:#10172a}h1{font-size:clamp(34px,4vw,48px);margin:0 0 14px}h2{font-size:28px;margin:34px 0 12px}h3{font-size:20px;margin:24px 0 8px}ul,ol{padding-left:1.3rem}.button-row{display:flex;flex-wrap:wrap;gap:10px;margin-top:18px}.button,.secondary{display:inline-flex;align-items:center;justify-content:center;border-radius:12px;padding:12px 16px;font-weight:800;border:1px solid var(--brand);}.button{background:var(--brand);color:#fff}.secondary{background:#fff;color:var(--brand)}.calc{display:grid;grid-template-columns:1fr 1fr;gap:18px;align-items:start}.calc form{display:grid;gap:14px}.field{display:grid;gap:6px}.field label{font-weight:700}.field input,.field select,.field textarea{width:100%;border:1px solid var(--line);border-radius:12px;padding:12px 13px;background:#fff;color:var(--ink);font:inherit}.calc-results{background:#0b1736;color:#fff;border-radius:var(--radius);padding:22px;position:sticky;top:88px}.calc-results h3{color:#fff;margin-top:0}.result-row{display:flex;justify-content:space-between;gap:14px;border-bottom:1px solid rgba(255,255,255,.15);padding:10px 0}.result-row strong{font-size:20px}.states-list{columns:3;column-gap:28px}.states-list a{display:block;margin:0 0 8px;break-inside:avoid}.table{overflow:auto;border:1px solid var(--line);border-radius:14px;background:#fff}.table table{width:100%;border-collapse:collapse}.table th,.table td{padding:12px 14px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}.table th{background:#f4f7fb;color:#24304a}.faq details{background:#fff;border:1px solid var(--line);border-radius:14px;padding:14px 16px;margin:10px 0}.faq summary{font-weight:800;cursor:pointer}.callout-links{display:flex;flex-wrap:wrap;gap:10px}.callout-links a{background:#fff;border:1px solid var(--line);border-radius:12px;padding:10px 12px;color:var(--ink);font-weight:700}.footer{margin-top:40px;background:#10172a;color:#d7def0}.footer a{color:#fff}.footer-inner{max-width:1180px;margin:0 auto;padding:34px 20px;display:grid;grid-template-columns:1.2fr .8fr .8fr;gap:26px}.footer small{color:#aeb9cf}.source-list li{margin-bottom:8px}.tagline{font-size:19px}.last-reviewed{font-size:14px;color:var(--muted);margin-top:6px}@media(max-width:850px){.hero-inner,.grid-2,.grid-3,.grid-4,.calc,.footer-inner{grid-template-columns:1fr}.nav{display:none;width:100%;padding-top:12px}.nav.open{display:flex;flex-direction:column;align-items:flex-start}.nav-toggle{display:block}.header-inner{flex-wrap:wrap}.states-list{columns:1}.calc-results{position:static}.hero{padding:42px 20px}}@media print{.site-header,.footer,.button-row,.calc form{display:none}.wrap{max-width:none}.card{box-shadow:none}}

/* v15.2 home/navigation fixes */
.hero-subtitle{font-size:clamp(24px,3.4vw,42px);line-height:1.1;font-weight:850;color:#fff;margin:0 0 18px;max-width:820px}
.home-wrap .hero{overflow:hidden}