:root {
  --bg: #f5f7fb;
  --surface: #ffffff;
  --ink: #142033;
  --muted: #5a6575;
  --line: #e2e8f0;
  --brand: #0f2f6b;
  --brand-dark: #0a2049;
  --brand-mid: #1a4a9c;
  --gold: #9a7209;
  --gold-bright: #c9a227;
  --accent: #eef3fb;
  --accent-gold: #faf4e4;
  --warn: #8a5a00;
  --radius: 12px;
  --shadow: 0 8px 24px rgba(15, 47, 107, 0.07);
  --max: 760px;
  --wide: 1100px;
  --font: "Segoe UI", system-ui, -apple-system, Roboto, "Helvetica Neue", Arial, sans-serif;
}
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font);
  color: var(--ink);
  background: var(--bg);
  line-height: 1.65;
  font-size: 1.05rem;
}
img { max-width: 100%; height: auto; }
a { color: var(--brand-mid); }
a:hover { color: var(--brand-dark); }
.container { width: min(100% - 2rem, var(--wide)); margin-inline: auto; }
.skip-link {
  position: absolute; left: -999px; top: 0; background: var(--brand); color: #fff; padding: .5rem 1rem; z-index: 10;
}
.skip-link:focus { left: .5rem; top: .5rem; }
.site-header {
  background: var(--surface);
  border-bottom: 1px solid var(--line);
  position: sticky; top: 0; z-index: 5;
}
.header-inner {
  display: flex; align-items: center; justify-content: space-between; gap: 1rem;
  padding: .9rem 0; flex-wrap: wrap;
}
.logo {
  font-weight: 800; font-size: 1.2rem; text-decoration: none; color: var(--brand);
  letter-spacing: -0.02em;
}
.logo::after {
  content: "";
  display: inline-block;
  width: .55rem; height: .55rem;
  margin-left: .35rem;
  border-radius: 50%;
  background: var(--gold-bright);
  vertical-align: middle;
}
.nav { list-style: none; display: flex; gap: 1rem; margin: 0; padding: 0; flex-wrap: wrap; }
.nav a { text-decoration: none; color: var(--muted); font-weight: 600; font-size: .95rem; }
.nav a:hover { color: var(--brand); }
main.container { padding: 2rem 0 3rem; width: min(100% - 2rem, var(--max)); }
.home-wrap { width: min(100% - 2rem, var(--wide)); margin-inline: auto; padding: 2rem 0 3rem; }
.hero {
  background: linear-gradient(155deg, #0a2049 0%, #0f2f6b 50%, #1a4a9c 100%);
  color: #fff; border-radius: 18px; padding: 2.2rem 1.6rem; box-shadow: var(--shadow);
  border-bottom: 4px solid var(--gold-bright);
}
.hero h1 { margin: 0 0 .75rem; font-size: clamp(1.55rem, 4vw, 2.35rem); line-height: 1.2; letter-spacing: -0.02em; }
.hero p { margin: 0; max-width: 44rem; opacity: .95; font-size: 1.08rem; }
.hero-meta { margin-top: 1rem !important; font-size: .92rem !important; opacity: .85 !important; }
.section { margin-top: 2.5rem; }
.section h2 { margin: 0 0 1rem; font-size: 1.45rem; }
.card-grid {
  display: grid; gap: 1rem;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
}
.card {
  background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 1.2rem; text-decoration: none; color: inherit; box-shadow: var(--shadow);
  transition: transform .15s ease, border-color .15s ease;
}
.card:hover { transform: translateY(-2px); border-color: #b8c9e0; }
.card .tag {
  display: inline-block; font-size: .75rem; font-weight: 700; text-transform: uppercase;
  letter-spacing: .04em; color: var(--gold); background: var(--accent-gold); padding: .2rem .5rem; border-radius: 999px;
}
.card h3 { margin: .7rem 0 .4rem; font-size: 1.15rem; }
.card p { margin: 0; color: var(--muted); font-size: .98rem; }
.guide-header h1 { margin: 0 0 .6rem; font-size: clamp(1.5rem, 3.5vw, 2.1rem); line-height: 1.25; }
.eyebrow { margin: 0 0 .4rem; color: var(--gold); font-weight: 700; text-transform: uppercase; font-size: .78rem; letter-spacing: .05em; }
.lede { color: var(--muted); font-size: 1.08rem; margin: 0 0 .5rem; }
.meta { color: var(--muted); font-size: .9rem; margin: 0 0 1.2rem; }
.disclosure-inline, .disclosure-short, .disclaimer-inline, .disclaimer-short {
  background: #fff8e8; border: 1px solid #f0dfb5; color: #4d3a10;
  padding: .85rem 1rem; border-radius: 10px; font-size: .92rem;
}
.disclaimer-inline, .disclaimer-short {
  background: #eef3fb; border-color: #c5d4ea; color: #1a2a44; margin-top: .75rem;
}
.cta-box {
  background: var(--accent); border: 1px solid var(--brand); border-radius: 14px;
  padding: 1.25rem 1.2rem; margin: 1.5rem 0; box-shadow: var(--shadow);
}
.cta-title { margin: 0 0 .4rem; font-size: 1.2rem; }
.cta-box > p { margin: 0 0 .9rem; color: var(--muted); }
.cta-actions { display: flex; flex-wrap: wrap; gap: .6rem; }
.cta-note { margin: .75rem 0 0 !important; font-size: .82rem; }
.btn {
  display: inline-block; text-decoration: none; font-weight: 700; border-radius: 10px;
  padding: .7rem 1rem; border: 2px solid transparent;
}
.btn-primary { background: var(--brand); color: #fff !important; border-color: var(--brand); }
.btn-primary:hover { background: var(--gold-bright); color: var(--ink) !important; border-color: var(--gold-bright); }
.btn-secondary { background: var(--surface); color: var(--brand) !important; border-color: var(--brand); }
.btn-secondary:hover { background: var(--accent-gold); border-color: var(--gold); color: var(--ink) !important; }
.btn-ghost { background: transparent; color: var(--brand) !important; border-color: #b8c9e0; }
.btn-ghost:hover { border-color: var(--gold); background: var(--accent-gold); }
.prose h2 { margin-top: 2rem; font-size: 1.35rem; }
.prose h3 { margin-top: 1.4rem; font-size: 1.15rem; }
.prose table, .compare-wrap table {
  width: 100%; border-collapse: collapse; font-size: .92rem; background: var(--surface);
  border: 1px solid var(--line); border-radius: 10px; overflow: hidden;
}
.prose table { display: block; overflow-x: auto; }
.prose th, .prose td, .compare-wrap th, .compare-wrap td {
  padding: .65rem .7rem; border-bottom: 1px solid var(--line); text-align: left; vertical-align: top;
}
.prose th, .compare-wrap th { background: #e8eef8; font-weight: 700; }
.compare-wrap {
  background: var(--surface); border: 1px solid var(--line); border-radius: 14px;
  box-shadow: var(--shadow); overflow: auto;
}
.compare-tools {
  display: flex; flex-wrap: wrap; gap: .75rem; align-items: center; margin-bottom: 1rem;
}
.compare-tools label { font-weight: 600; font-size: .92rem; color: var(--muted); }
.compare-tools input[type="search"] {
  flex: 1; min-width: 180px; padding: .55rem .75rem; border: 1px solid var(--line);
  border-radius: 8px; font: inherit;
}
.compare-tools select {
  padding: .55rem .75rem; border: 1px solid var(--line); border-radius: 8px; font: inherit;
  background: var(--surface);
}
.compare-wrap table { min-width: 640px; }
.compare-wrap th button {
  background: none; border: 0; font: inherit; font-weight: 700; cursor: pointer;
  color: var(--brand); padding: 0; text-align: left;
}
.compare-wrap th button:hover { color: var(--gold); }
.compare-wrap td a { font-weight: 700; text-decoration: none; }
.compare-wrap tbody tr:hover { background: #f7fafc; }
.fee-grid {
  display: grid; gap: .8rem;
  grid-template-columns: repeat(auto-fit, minmax(160px, 1fr));
  margin: 1.2rem 0;
}
.fee-card {
  background: var(--surface); border: 1px solid var(--line); border-radius: 12px;
  padding: 1rem; box-shadow: var(--shadow);
}
.fee-card .label { display: block; font-size: .78rem; font-weight: 700; text-transform: uppercase; letter-spacing: .04em; color: var(--gold); }
.fee-card .value { display: block; font-size: 1.35rem; font-weight: 800; margin-top: .25rem; color: var(--brand); }
.fee-card .note { display: block; font-size: .82rem; color: var(--muted); margin-top: .2rem; }
.sources { font-size: .92rem; }
.sources li { margin-bottom: .4rem; }
.prose blockquote {
  margin: 1.2rem 0; padding: 1rem 1.1rem; border-left: 4px solid var(--gold-bright);
  background: var(--surface); border-radius: 0 10px 10px 0;
}
.prose hr { border: 0; border-top: 1px solid var(--line); margin: 2rem 0; }
.faq details {
  background: var(--surface); border: 1px solid var(--line); border-radius: 10px;
  padding: .85rem 1rem; margin-bottom: .6rem;
}
.faq summary { font-weight: 700; cursor: pointer; }
.site-footer {
  background: #0a2049; color: #d5dde8; padding: 2rem 0; margin-top: 1rem;
}
.site-footer a { color: #e0c56e; }
.footer-links { list-style: none; display: flex; flex-wrap: wrap; gap: .8rem 1.2rem; padding: 0; margin: 1rem 0; }
.footer-links a { text-decoration: none; font-weight: 600; }
.copy { margin: 0; font-size: .85rem; opacity: .8; }
.page h1 { margin-top: 0; }
.stat-row {
  display: flex; flex-wrap: wrap; gap: .75rem; margin-top: 1.25rem;
}
.stat {
  background: rgba(255,255,255,.12); border: 1px solid rgba(255,255,255,.2);
  border-radius: 10px; padding: .55rem .9rem; font-size: .9rem;
}
@media (max-width: 640px) {
  .hero { padding: 1.5rem 1.1rem; }
  .nav { gap: .7rem; }
  .cta-actions { flex-direction: column; }
  .cta-actions .btn { text-align: center; }
}

/* ---------- Images ---------- */
.hero--image { position: relative; overflow: hidden; padding: 0; background: #081a3d; }
.hero--image .hero-img {
  position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; object-position: center right;
}
.hero--image::after {
  content: ""; position: absolute; inset: 0;
  background: linear-gradient(90deg, rgba(8,26,61,.93) 0%, rgba(15,47,107,.8) 50%, rgba(15,47,107,.15) 100%);
}
.hero--image .hero-body { position: relative; z-index: 1; padding: 3rem 1.8rem; max-width: 48rem; }
.featured-image, .state-banner { margin: 0 0 1.4rem; }
.featured-image img {
  display: block; width: 100%; height: auto; aspect-ratio: 16 / 9; object-fit: cover;
  border-radius: 14px; box-shadow: var(--shadow); background: #0f2f6b;
}
.featured-image figcaption { font-size: .8rem; color: var(--muted); margin-top: .4rem; }
.state-banner svg { display: block; width: 100%; height: auto; border-radius: 14px; box-shadow: var(--shadow); }
.card--thumb { padding: 0; overflow: hidden; display: flex; flex-direction: column; }
.card--thumb .card-thumb { display: block; width: 100%; height: auto; aspect-ratio: 16 / 9; object-fit: cover; background: #0f2f6b; }
.card--thumb .tag { margin: 1rem 1.2rem 0; align-self: flex-start; }
.card--thumb h3, .card--thumb p { margin-left: 1.2rem; margin-right: 1.2rem; }
.card--thumb p { margin-bottom: 1.2rem; }
@media (max-width: 640px) {
  .hero--image .hero-body { padding: 2rem 1.1rem; }
  .hero--image::after { background: linear-gradient(180deg, rgba(8,26,61,.85) 0%, rgba(15,47,107,.92) 100%); }
}
.hero--image .hero-credit {
  position: absolute; right: .8rem; bottom: .5rem; z-index: 2; margin: 0 !important;
  font-size: .72rem !important; color: #fff; opacity: .75 !important; text-shadow: 0 1px 2px rgba(0,0,0,.6);
}