:root{
  --navy:#24352f;
  --blue:#21634c;
  --blue-dark:#164b38;
  --soft:#f0f6f3;
  --soft-2:#f7f9f8;
  --gold:#a34b35;
  --ink:#1f2937;
  --muted:#5b677a;
  --line:#d9e2ec;
  --white:#fff;
  --shadow:0 12px 30px rgba(16,36,61,.08);
  --focus-ring:#175c4b;
  --control-border:#748578;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:160px}
body{margin:0;font-family:Inter,Segoe UI,Roboto,Arial,sans-serif;color:var(--ink);line-height:1.6;background:#fff;text-rendering:optimizeLegibility}
h1,h2,h3{font-family:Georgia,'Times New Roman',serif;color:var(--navy);line-height:1.15;margin:0 0 .65rem}
h1{font-size:3rem}
h2{font-size:2.1rem}
h3{font-size:1.25rem}
p{margin:.3rem 0 1rem}
a{color:var(--blue);text-underline-offset:.16em}
a:hover{color:var(--blue-dark)}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible,summary:focus-visible{outline:3px solid var(--focus-ring);outline-offset:3px}
.container{width:min(1160px,92vw);margin:auto}
.site-header{position:sticky;top:0;z-index:10;background:rgba(255,255,255,.96);border-bottom:1px solid var(--line);backdrop-filter:blur(8px)}
.navwrap{display:flex;align-items:center;justify-content:space-between;gap:1.2rem;padding:.75rem 0}
.brand{display:flex;align-items:center;gap:.7rem;text-decoration:none;color:var(--navy);font-weight:600;line-height:1.15;min-width:0}
.brand>span{font-family:Georgia,'Times New Roman',serif;font-size:1.08rem}
.mark{display:block;width:54px;height:49px;flex:none;object-fit:contain}
nav{display:flex;justify-content:flex-end;gap:.15rem .25rem;flex-wrap:wrap}
nav a{color:var(--ink);text-decoration:none;padding:.45rem .58rem;border-radius:8px;font-size:.9rem;line-height:1.2}
nav a.active,nav a:hover{background:var(--soft);color:var(--blue)}
.menu-toggle{display:none}
.hero{background:linear-gradient(120deg,#f8fbff 0,#eef5fb 64%,#fff 100%);padding:4rem 0 2.8rem}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:2.5rem;align-items:center}
.eyebrow{text-transform:uppercase;letter-spacing:0;font-weight:700;color:var(--blue);font-size:.75rem}
.btns{display:flex;gap:.8rem;flex-wrap:wrap;margin-top:1.2rem}
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:44px;padding:.78rem 1.05rem;border-radius:8px;background:var(--blue);color:#fff;text-decoration:none;font-weight:700;box-shadow:0 8px 18px rgba(28,95,174,.16)}
.btn:hover{background:var(--blue-dark);color:#fff}
.btn.secondary{background:#fff;color:var(--blue);border:1px solid var(--line);box-shadow:none}
.btn.secondary:hover{background:var(--soft);color:var(--blue-dark)}
.card{background:#fff;border:1px solid var(--line);border-radius:8px;box-shadow:var(--shadow);padding:1.2rem}
.section{padding:3.2rem 0}
.soft{background:var(--soft)}
.grid{display:grid;gap:1rem}
.grid.three{grid-template-columns:repeat(3,1fr)}
.grid.two{grid-template-columns:repeat(2,1fr)}
.feature-card{background:#fff;border:1px solid var(--line);border-radius:8px;padding:1.25rem;box-shadow:0 8px 20px rgba(16,36,61,.04)}
.feature-card h2{font-size:1.65rem}
.icon{width:54px;height:54px;margin-bottom:.7rem}
.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:8px;background:#fff;box-shadow:0 8px 22px rgba(16,36,61,.05)}
table{border-collapse:collapse;width:100%;min-width:880px}
th,td{padding:.85rem;border-bottom:1px solid var(--line);vertical-align:top;text-align:left}
th{background:#f5f8fc;color:#123;font-size:.9rem;position:sticky;top:0}
td small{color:var(--muted)}
.badge{display:inline-block;background:#f8efd9;color:#684300;border:1px solid #efd6a2;padding:.2rem .45rem;border-radius:999px;font-size:.75rem;font-weight:700;text-decoration:none}
.badge:hover{background:#f3e2bb;color:#4f3300}
.note{border-left:4px solid var(--gold);background:#fffaf0;padding:1rem;border-radius:8px;margin:1rem 0}
.callout{--focus-ring:#fff;background:var(--navy);color:#fff;border-radius:8px;padding:1.6rem}
.callout h2,.callout h3{color:#fff}
.callout a{color:#d7eaff}
.article{max-width:880px}
.article ul{padding-left:1.2rem}
.source-list li{margin:.45rem 0}
.site-footer{--focus-ring:#fff;background:#24352f;color:#e6eee9;padding:2.5rem 0}
.footer-grid{display:grid;grid-template-columns:2fr 1.2fr 1.4fr;gap:1.4rem}
.site-footer p{color:#c3d0c8}
.site-footer .copyright{font-size:.78rem;margin-top:1.5rem;line-height:1.6}
.provider-header{display:flex;justify-content:space-between;gap:1rem;align-items:start}
.provider-header a{font-weight:700;color:var(--blue)}
.hero-art{min-height:360px;border-radius:8px;background:#fff;border:1px solid var(--line);position:relative;overflow:hidden;box-shadow:0 18px 42px rgba(16,36,61,.10)}
.hero-art img{width:100%;height:100%;object-fit:cover;display:block}
@media(max-width:1100px){
  .navwrap{align-items:flex-start}
  .brand{padding-top:.1rem}
  nav a{font-size:.86rem;padding:.4rem .5rem}
}
@media(max-width:840px){
  .hero-grid,.grid.two,.grid.three,.footer-grid{grid-template-columns:1fr}
  .site-header{position:relative}
  .navwrap{align-items:center}
  nav{display:none}
  .menu-toggle{display:inline-flex;align-items:center;justify-content:center;background:#fff;border:1px solid var(--line);border-radius:8px;min-width:44px;min-height:44px;padding:.35rem .65rem;color:var(--navy);font-size:1.1rem}
  .nav-open .site-header nav{display:grid;grid-template-columns:1fr;position:absolute;left:4vw;right:4vw;top:100%;max-height:70vh;overflow-y:auto;background:#fff;border:1px solid var(--line);border-radius:8px;padding:.6rem;box-shadow:0 10px 30px rgba(0,0,0,.12)}
  .nav-open .site-header nav a{padding:.7rem .75rem}
  .hero{padding:2.4rem 0}
  .hero-art{min-height:260px}
  .provider-header{display:block}
  table{min-width:760px}
}
@media(max-width:560px){
  .brand span:last-child{max-width:178px}
  h1{font-size:2rem}
  .section{padding:2.35rem 0}
  .hero{padding:2rem 0 2.2rem}
  .btn{width:100%}
  .table-wrap{margin-left:-4vw;margin-right:-4vw;border-left:0;border-right:0;border-radius:0}
}
.research-nav{display:block;background:#f7fafc;border-bottom:1px solid var(--line)}
.research-nav .container{display:flex;align-items:center;flex-wrap:wrap;gap:.5rem 1rem;padding:.6rem 0}
.research-nav span{font-size:.85rem;color:var(--muted)}
.research-nav a{font-size:.9rem;border-radius:4px;padding:.45rem .5rem}
.research-nav a[aria-current="page"]{background:#e4f2ea;color:#19543b;font-weight:700}
.research-article h1{font-size:2.4rem;overflow-wrap:anywhere}
.research-article h2{font-size:1.5rem;margin-top:2rem}
.research-article h3{margin-top:1.2rem}
.review-date{color:var(--muted);font-size:.9rem}
.topic-links{display:flex;flex-wrap:wrap;gap:.75rem;margin:1.5rem 0}
.state-entry,.fact-row{padding:1rem 0;border-top:1px solid var(--line)}
.policy-list dt{font-weight:700;margin-top:1.3rem;color:var(--navy)}
.policy-list dd{margin:.35rem 0 1rem}
.question-template{border-left:4px solid #27815c;margin:1.5rem 0;padding:1rem 1.25rem;background:#eff7f2}
.cost-tool{border-top:2px solid #27815c;border-bottom:1px solid var(--line);padding:1.5rem 0;margin:1.5rem 0}
.cost-inputs{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:1rem;margin-bottom:1.25rem}
.cost-inputs label{font-weight:600;font-size:.95rem}
.cost-inputs input{display:block;width:100%;min-height:44px;border:1px solid #8796a6;border-radius:4px;margin-top:.35rem;padding:.65rem;font:inherit;background:#fff;color:var(--ink)}
.cost-inputs input:focus-visible{outline:3px solid var(--focus-ring);outline-offset:2px}
.cost-result{min-height:5rem;background:#eff7f2;border-left:4px solid #27815c;margin-top:1.25rem;padding:1rem;font-weight:600;overflow-wrap:anywhere}
@media(max-width:560px){
  .research-nav .container{gap:.15rem .4rem}
  .research-nav span{flex-basis:100%}
  .research-article h1{font-size:2rem}
  .cost-inputs{grid-template-columns:1fr}
}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
.skip-link{position:absolute;left:1rem;top:-100px;z-index:30;background:#fff;padding:.7rem 1rem;border:2px solid var(--blue)}
.skip-link:focus{top:1rem}
.footer-links{display:flex;flex-wrap:wrap;gap:1.25rem;margin-top:1rem;border-top:1px solid #3b4a5e;padding-top:1rem}
.footer-links a{color:#dbe7f4}
.guide-list{list-style:none;padding:0!important}
.guide-list li{border-top:1px solid var(--line);padding:1rem 0}
.guide-list a{font-weight:700}
.guide-list p{margin:.35rem 0 0}
ul.topic-links{list-style:none;padding:0}
.provider-model{color:#19543b;font-weight:600}
.breadcrumb{font-size:.9rem;color:var(--muted)}
.state-search{border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:1rem 0;margin:1.5rem 0}
.state-search label{display:block;font-weight:600}
.state-search input{display:block;width:min(100%,420px);min-height:44px;margin:.5rem 0;padding:.65rem;border:1px solid #8796a6;border-radius:4px;font:inherit}
.state-search input:focus-visible,.table-wrap:focus-visible{outline:3px solid var(--focus-ring);outline-offset:2px}
.state-search p{font-size:.9rem;color:var(--muted);margin:.25rem 0 0}
caption{text-align:left;font-weight:700;padding:1rem;background:#f7fafc}
.comparison-table th[scope="row"]{position:static;background:#fff;font-size:1rem}
.provider-summary .topic-links{margin:1.5rem 0}
[hidden]{display:none!important}
@media(max-width:840px){html{scroll-padding-top:1rem}.brand{flex:1}.mark{flex:none}.hero-grid{gap:1.5rem}}
@media print{
  .site-header,.research-nav,.skip-link,.footer-links,.menu-toggle,.state-search{display:none}
  .container{width:100%}
  .section{padding:1rem 0}
  .site-footer{background:#fff;color:#222;padding:1rem 0}
  .site-footer p{color:#333}
  .table-wrap{overflow:visible;border:0;box-shadow:none;margin:0}
  table{min-width:0;font-size:.8rem}
  th{position:static}
  .cost-tool .btn{display:none}
  h1{font-size:2rem}
  h2,h3{break-after:avoid}
}
/* A quiet reminder of choices, not another navigation bar. */
.journey-context {display:flex;align-items:center;flex-wrap:wrap;gap:.25rem .85rem;margin:.2rem 0 .8rem!important;font-family:Segoe UI,Arial,sans-serif;font-size:.8rem!important;line-height:1.5;color:#526359;}
.journey-context span {overflow-wrap:anywhere;min-width:0;}
.journey-context a,.journey-context button {display:inline-flex;align-items:center;min-height:36px;padding:0;border:0;border-radius:0;background:transparent;color:#21634c;font:inherit;text-decoration:underline;cursor:pointer;}
.journey-context a:focus-visible,.journey-context button:focus-visible {outline:2px solid #21634c;outline-offset:3px;}
@media(max-width:640px) {.journey-context span {flex-basis:100%;}.journey-context a,.journey-context button {min-height:44px;}}
@media print {.journey-context a,.journey-context button {display:none;}}
.back-to-top{position:fixed;right:max(16px,env(safe-area-inset-right));bottom:max(18px,env(safe-area-inset-bottom));z-index:9;width:44px;height:44px;padding:0;border:1px solid #b3c5bb;border-radius:4px;background:#fff;color:#21634c;box-shadow:0 2px 9px #24352f24;font:28px/1 Arial,sans-serif;cursor:pointer}
.back-to-top:hover{background:#e4f2ea}
.matter-guide{padding:2rem 0 3rem}
.matter-guide .container{max-width:1040px}
.matter-guide h1{font-size:2.5rem;max-width:24ch}
.matter-guide h2{font-size:1.7rem;margin:0 0 .9rem}
.matter-guide h3{font-size:1.25rem;line-height:1.3}
.matter-intro{display:grid;grid-template-columns:minmax(0,1fr) 150px;gap:2rem;align-items:center;margin-bottom:1.2rem}
.matter-intro p{max-width:65ch}
.matter-art{width:150px;aspect-ratio:1;overflow:hidden;position:relative;border-radius:4px;background:#eef3f5;margin:0}
.matter-art img{position:absolute;width:300%;height:200%;max-width:none;left:0;top:0}
.matter-art.art-terms img{left:-100%}.matter-art.art-costs img{left:-200%}.matter-art.art-glossary img{left:-100%;top:-100%}
.matter-jumps{display:flex;justify-content:flex-start;border-top:1px solid #d9e2ec;border-bottom:1px solid #d9e2ec;padding:.6rem 0;margin-bottom:1.7rem;gap:.4rem 1.5rem}
.matter-jumps a{padding:.4rem 0;text-decoration:underline;min-height:44px;display:flex;align-items:center;border-radius:0}
.matter-guide section[id]{scroll-margin-top:105px;padding:1.8rem 0;border-bottom:1px solid #d9e2ec}
.matter-guide section[id]:last-child{border-bottom:0}
.matter-balance{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:2rem}
.matter-balance>div{border-top:3px solid #21634c;padding-top:1rem;min-width:0}
.matter-balance>div+div{border-color:#a34b35}
.matter-balance ul{padding-left:1.2rem;margin-bottom:.7rem}
.matter-balance li{margin:.45rem 0}
.matter-note{font-size:.87rem;color:#526359;max-width:85ch}
.matter-rows{margin:1.2rem 0}
.matter-rows>div{display:grid;grid-template-columns:210px minmax(0,1fr);gap:1.6rem;padding:1.1rem 0;border-top:1px solid #d9e2ec}
.matter-rows dt{font-weight:700;color:#24352f}.matter-rows dd{margin:0;max-width:70ch}
.matter-examples{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1.7rem;margin:1.2rem 0}
.matter-examples>div{border-top:3px solid #648ba0;padding-top:1rem;min-width:0}
.matter-examples p{font-size:.94rem}.matter-guide details{border-top:1px solid #d9e2ec;padding:1rem 0}.matter-guide summary{cursor:pointer;font-weight:600;min-height:44px;display:list-item}.matter-guide details p{max-width:75ch}
.matter-steps{padding-left:1.4rem;max-width:80ch}.matter-steps li{padding:.35rem 0 .65rem .3rem}
.matter-warning{border-left:3px solid #a34b35;background:#faf3f1;padding:1rem 1.2rem;margin:1.3rem 0;max-width:85ch}
.matter-links{display:flex;flex-wrap:wrap;gap:.5rem 1.5rem;margin-top:1.2rem}.matter-links a{min-height:44px;display:flex;align-items:center}
@media(max-width:640px){.matter-guide h1{font-size:2rem;padding-right:85px;overflow-wrap:anywhere}.matter-intro{display:block;position:relative}.matter-intro .eyebrow{padding-right:85px}.matter-art{width:76px;position:absolute;right:0;top:30px}.matter-balance,.matter-examples{grid-template-columns:1fr;gap:1.2rem}.matter-rows>div{grid-template-columns:1fr;gap:.35rem}.matter-jumps{gap:.2rem 1rem}.matter-guide section[id]{scroll-margin-top:85px}.back-to-top{right:12px;bottom:12px}}
@media print{.back-to-top,.matter-jumps,.matter-art{display:none!important}.matter-guide details>*{display:block}.matter-intro{display:block}.matter-balance,.matter-examples{display:block}.matter-rows>div{break-inside:avoid}.matter-guide{padding:0}}

/* Business guide: task-based reading with the library's existing artwork. */
.business-guide .matter-jumps{flex-wrap:wrap;gap:.25rem 1.2rem}
.business-guide section>p{max-width:88ch}
.business-service-list{margin:1.4rem 0;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:0 2rem}
.business-service-list article{display:grid;grid-template-columns:40px minmax(0,1fr);gap:1rem;border-top:1px solid #d9e2ec;padding:1.1rem 0;min-width:0}
.business-step{font:700 1.45rem Georgia,serif;color:#477a91;padding-top:.15rem}
.business-guide .business-service-list h3{margin:0 0 .5rem;font-size:1.2rem}
.business-service-list p,.business-industries p,.business-providers p{font-size:.95rem}
.business-ask{font-weight:600;color:#32624f}
.business-industries{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:0 2.5rem;margin-top:1.5rem}
.business-industries article{min-width:0;border-top:1px solid #d9e2ec;padding:1.5rem 0}
.business-industry-head{display:grid;grid-template-columns:80px minmax(0,1fr);gap:1rem;align-items:center;min-height:90px}
.business-art{display:block;width:80px;aspect-ratio:1;position:relative;overflow:hidden;border-radius:4px;background:#eef3f5}
.business-art img{display:block;position:absolute;width:300%;height:200%;max-width:none;top:0;left:0}
.business-art.art-terms img{left:-100%}.business-art.art-costs img{left:-200%}
.business-art.art-renewal img{top:-100%}.business-art.art-glossary img{top:-100%;left:-100%}.business-art.art-states img{top:-100%;left:-200%}
.business-guide .business-kicker{font-size:.72rem;font-weight:700;text-transform:uppercase;color:#526359;margin:0 0 .35rem}
.business-guide .business-industry-head h3{font-size:1.25rem;line-height:1.35;margin:0}
.business-boundary{border-left:2px solid #477a91;padding-left:1rem;color:#435b67}
.business-insurance{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:2rem;margin:1.5rem 0}
.business-insurance>div{min-width:0;border-top:3px solid #32624f;padding-top:.9rem}
.business-insurance>div+div{border-color:#477a91}
.business-guide .business-insurance h3{margin:0 0 .7rem;font-size:1.2rem}
.business-broker{border-left:3px solid #477a91;background:#f1f6f8;padding:1rem 1.2rem}
.business-questions{margin-top:1.3rem}
.business-guide .business-questions summary{font-size:1.05rem;line-height:1.5}
.business-questions p{max-width:80ch}
.business-providers{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:2rem;margin:1.5rem 0}
.business-providers article{min-width:0;border-top:3px solid #32624f;padding-top:1rem}
.business-providers article:nth-child(2){border-color:#477a91}.business-providers article:nth-child(3){border-color:#a34b35}
.business-guide .business-providers h3{margin:0 0 .6rem;font-size:1.2rem}
.business-providers a{font-size:.9rem}
.business-cost-line{display:grid;grid-template-columns:minmax(0,1fr) 20px minmax(0,1fr) 20px minmax(0,1fr);gap:1rem;align-items:center;border-block:1px solid #d9e2ec;padding:1.4rem 0;margin:1.4rem 0}
.business-cost-line div{min-width:0}.business-cost-line span{display:block;color:#53665b;font-size:.8rem}.business-cost-line strong{display:block;margin-top:.45rem;font-size:1.15rem}
.business-cost-line .business-plus{font-size:1.4rem;text-align:center;color:#477a91}
.business-guide a:focus-visible,.business-guide summary:focus-visible{outline:3px solid #477a91;outline-offset:3px}
@media(max-width:850px){.business-providers{grid-template-columns:1fr}}
@media(max-width:640px){.business-industries,.business-service-list,.business-insurance{grid-template-columns:1fr;gap:0}.business-industry-head{grid-template-columns:64px minmax(0,1fr);gap:.8rem}.business-art{width:64px}.business-guide .business-industry-head h3{font-size:1.15rem}.business-insurance>div{padding:1rem 0}.business-cost-line{grid-template-columns:1fr;gap:.65rem}.business-cost-line .business-plus{text-align:left}.business-guide .matter-intro h1{font-size:1.9rem}}
@media print{.business-art{display:none}.business-industries,.business-service-list,.business-insurance,.business-providers{display:block}.business-industry-head{display:block}.business-guide article{break-inside:avoid}.business-cost-line{display:block}}

/* Shared editorial rhythm and lightweight cost visualizations. */
.site-header{backdrop-filter:none;background:#fff}
.section{padding:2.7rem 0}
.research-nav{background:#f7f9f8}
.research-nav .container{gap:.2rem .8rem;padding:.5rem 0}
.research-nav a{padding:.45rem 0;margin-right:.4rem;font-size:.82rem;color:#53665b}
.research-nav a:hover{background:transparent;text-decoration:underline}
.research-nav a[aria-current="page"]{background:transparent;box-shadow:inset 0 -2px #21634c}
.research-article{max-width:800px}
.research-article>p,.research-article>ul,.research-article>dl{max-width:74ch}
.research-article h1{max-width:22ch}
.research-article h2{line-height:1.3}
.state-entry h2{margin-top:.5rem}
.feature-card,.table-wrap{box-shadow:none}
.btn{box-shadow:none;border-radius:4px;font-size:.95rem;cursor:pointer;border:1px solid transparent;font-family:inherit}
.note{background:#fbf3ef;border-color:#a34b35;border-radius:0}
.footer-links{border-color:#516358}
.footer-links a{color:#e6eee9}
.home-workspace{padding:2.6rem 0 1.8rem;border-bottom:1px solid var(--line)}
.home-workspace h1{font-size:2.7rem;max-width:22ch;margin:.5rem 0 1rem}
.home-lead{font-size:1.05rem;max-width:68ch;color:#53665b}
.workspace-topline{display:flex;justify-content:space-between;align-items:center;gap:1rem;flex-wrap:wrap}
.workspace-topline small{color:var(--muted)}
.home-actions{display:flex;gap:1.5rem;align-items:center;flex-wrap:wrap;margin:1.5rem 0}
.home-actions>a:not(.btn){font-weight:600}
.library-metrics{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));border-top:1px solid var(--line);margin:1.7rem 0 0}
.library-metrics div{padding:1rem 0}
.library-metrics dt{font-size:.85rem;color:#53665b}
.library-metrics dd{font-family:Georgia,serif;font-size:2rem;color:var(--navy);margin:0}
.section-title{display:flex;align-items:baseline;justify-content:space-between;gap:1rem;flex-wrap:wrap;margin-bottom:1.2rem}
.section-title h2{font-size:1.7rem;margin:0}
.path-list{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:2rem}
.path-item{border-top:2px solid #21634c;padding-top:1rem}
.path-item:nth-child(2){border-color:#a34b35}.path-item:nth-child(3){border-color:#356f94}
.path-item h3{font-size:1.35rem}
.path-item p{font-size:.95rem;color:#53665b}
.path-item a{font-weight:600}
.tool-links{list-style:none;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:0 2rem;padding:0;margin:0}
.tool-links li{border-top:1px solid var(--line);padding:1rem 0}
.tool-links a{font-weight:600;display:flex;justify-content:space-between;align-items:center;gap:1rem;text-decoration:none}
.tool-links a:hover{text-decoration:underline}.tool-links p{font-size:.9rem;color:#53665b;margin:.35rem 0 0}
.home-bottom{display:grid;grid-template-columns:1fr 1fr;gap:3rem}
.home-bottom h2{font-size:1.7rem}
.home-bottom .topic-links{margin:.8rem 0;gap:.45rem 1rem}
.cost-workspace{max-width:1080px}
.cost-workspace>h1{max-width:none}
.calculator-example{border-left:3px solid #a34b35;background:#fbf3ef;padding:.85rem 1rem;margin:1.2rem 0;max-width:85ch;color:#34463e}.calculator-example>strong{display:block;font-size:.95rem;color:#7c3728;margin-bottom:.3rem}.calculator-example>p{font-size:.9rem;line-height:1.65;margin:0;max-width:80ch}
.tool-tabs{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));border-bottom:1px solid var(--line);margin:1.8rem 0 0;gap:0;justify-content:stretch}
.tool-tabs button{min-height:52px;background:transparent;border:0;border-bottom:3px solid transparent;font:600 .9rem Segoe UI,Arial,sans-serif;color:#53665b;cursor:pointer;padding:.75rem .5rem}
.tool-tabs button[aria-selected="true"]{border-bottom-color:#21634c;color:#164b38;background:#f0f6f3}
.tool-tabs button:hover{background:#f7f9f8}
.tool-panel{min-width:0;scroll-margin-top:160px}
.tool-panel h2{font-size:1.5rem;margin:1.5rem 0 .6rem}
.tool-panel>p{max-width:80ch}
.cost-tool{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:1rem 2.5rem;align-items:start;border-top:0;margin-top:1rem;padding-top:.8rem}
.cost-inputs{grid-column:1;grid-row:1;grid-template-columns:repeat(2,minmax(0,1fr));gap:1rem;margin:0}
.cost-inputs label{display:grid;grid-template-rows:minmax(3em,auto) auto 1fr;align-content:start;font-size:1rem;font-weight:600;line-height:1.5;color:#45574c;min-width:0}
.cost-inputs input{font-variant-numeric:tabular-nums;border-color:var(--control-border);background:#fff;border-radius:4px}
.reset-control{min-height:44px;padding:.5rem .6rem;border:0;background:transparent;color:#53665b;text-decoration:underline;text-underline-offset:3px;font:inherit;font-size:.85rem;cursor:pointer}
.cost-result{grid-column:2;grid-row:1;font-size:1rem;font-weight:500;line-height:1.7;background:#f0f6f3;border-left:0;border-top:2px solid #21634c;margin:0;min-height:130px;padding:1.1rem}
.money-chart{grid-column:2;grid-row:2 / span 2;margin:0;min-height:170px}
.money-chart figcaption{font-size:.8rem;font-weight:600;color:#53665b;margin-bottom:1rem}
.chart-row{display:grid;grid-template-columns:1fr auto;gap:.4rem;margin:.9rem 0;font-size:.85rem}
.chart-row strong{font-variant-numeric:tabular-nums;color:#24352f}
.bar-track{grid-column:1 / -1;height:14px;display:flex;background:#edf1ee;overflow:hidden;border-radius:2px}
.bar-fill{height:100%;display:block;min-width:0}.green{background:#35735a}.amber{background:#bb644c}.blue{background:#467e9d}
.chart-key{display:flex;flex-wrap:wrap;gap:.5rem 1rem;font-size:.73rem;color:#53665b}
.chart-key span::before{content:'';display:inline-block;width:8px;height:8px;margin-right:.4rem}
.key-green::before{background:#35735a}.key-amber::before{background:#bb644c}.key-blue::before{background:#467e9d}
.library-snapshot{display:grid;grid-template-columns:1fr 1fr;gap:2.5rem;border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:2rem 0;margin:2rem 0}
.library-snapshot h2{margin:.5rem 0 1rem}.library-snapshot p{font-size:.9rem}
.audit-chart{margin:0}.audit-chart figcaption{font-weight:600;font-size:.9rem}
.audit-track{display:flex;height:20px;margin:1rem 0;background:#edf1ee;overflow:hidden;border-radius:2px}
.audit-reachable{background:#35735a}.audit-unconfirmed{background:#bb644c}
.audit-legend{margin:0}.audit-legend div{display:flex;justify-content:space-between;gap:1rem;border-bottom:1px solid var(--line);padding:.4rem 0;font-size:.85rem}
.audit-legend dd{margin:0;font-weight:700;font-variant-numeric:tabular-nums}.audit-chart>p{font-size:.8rem;color:var(--muted);margin-top:.7rem}
input:focus-visible{outline:3px solid var(--focus-ring);outline-offset:2px}
#cost-breakdown{grid-column:1 / -1;grid-row:4;min-width:0;width:100%;margin:0}#cost-breakdown table{min-width:0}
.cost-mobile-label{display:none}.input-help{display:block;font-size:.875rem;line-height:1.5;font-weight:400;color:#526359;margin-top:.35rem}.cost-research{border-top:1px solid var(--line);border-bottom:1px solid var(--line);margin:1.5rem 0;padding:.2rem 0}.cost-research>summary{font-size:.95rem;font-weight:600;min-height:44px;padding:.65rem 0;cursor:pointer;color:#175c4b}.cost-research>summary:focus-visible{outline:3px solid #175c4b;outline-offset:3px}
@media(max-width:640px){#cost-breakdown{grid-column:1;grid-row:5}}
@media(max-width:840px){.path-list{gap:1.2rem}.home-bottom{gap:2rem}.cost-tool{gap:1rem 1.5rem}.tool-panel{scroll-margin-top:1rem}}
@media(max-width:640px){
 .home-workspace h1{font-size:2rem}.home-actions{gap:1rem}.home-actions .btn{width:auto}
 .path-list,.home-bottom,.library-snapshot{grid-template-columns:1fr}.tool-links{grid-template-columns:1fr}
 .library-metrics dt{font-size:.75rem}.library-metrics dd{font-size:1.7rem}
 .tool-tabs{grid-template-columns:repeat(2,minmax(0,1fr))}.tool-tabs button{font-size:.85rem}
 .cost-tool{grid-template-columns:1fr;gap:1rem}.cost-inputs{grid-template-columns:repeat(2,minmax(0,1fr))}
 .cost-result{grid-column:1;grid-row:3;min-height:110px}.money-chart{grid-column:1;grid-row:4}.cost-tool>noscript{grid-column:1}
 .cost-workspace>h1{font-size:2rem}.section{padding:2rem 0}.library-snapshot{gap:1.5rem}
}
@media(max-width:400px){.cost-inputs{grid-template-columns:1fr}.cost-inputs label{grid-template-rows:auto auto auto}}
@media(max-width:360px){.brand span:last-child{max-width:160px}}
@media(max-width:560px){.table-wrap{margin-left:0;margin-right:0;border:1px solid var(--line);border-radius:4px}}
@media print{.tool-tabs,.reset-control{display:none}.tool-panel[hidden]{display:block!important}.cost-tool,.library-snapshot{display:block}.money-chart{margin-top:1rem}.home-actions{display:none}}
@media(max-width:640px){
 .cost-workspace>.eyebrow{display:none}.section:has(>.cost-workspace){padding-top:1.5rem}.cost-workspace>h1{font-size:1.85rem;line-height:1.2;margin-bottom:.6rem}.cost-workspace>.journey-context{margin:.4rem 0 .7rem;gap:.2rem .75rem}.cost-workspace>.review-date{margin-bottom:.6rem}.cost-workspace>.calculator-example{padding:.65rem .8rem;margin:.8rem 0}.cost-workspace .tool-tabs{margin-top:1rem}.cost-workspace .tool-panel h2{font-size:1.3rem;margin:1rem 0 .4rem}
 #cost-breakdown table{display:table;min-width:0;width:100%;table-layout:fixed}#cost-breakdown caption{display:block;text-align:left;padding:.85rem 1rem}#cost-breakdown thead{position:absolute;width:1px;height:1px;overflow:hidden;clip-path:inset(50%);white-space:nowrap}#cost-breakdown tbody{display:block}#cost-breakdown tbody tr{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.45rem 1rem;padding:.85rem 1rem;border-top:1px solid var(--line)}#cost-breakdown tbody th{grid-column:1/-1;position:static;display:block;background:none;padding:0;border:0;font-size:.9rem;line-height:1.5;overflow-wrap:anywhere}#cost-breakdown td{display:block;min-width:0;padding:0;border:0;font-size:.95rem;font-variant-numeric:tabular-nums;overflow-wrap:anywhere}#cost-breakdown .cost-mobile-label{display:block;font-size:.75rem;color:#526359;margin-bottom:.2rem}#cost-breakdown td>span:last-child{display:block}#cost-breakdown tr:last-child{background:#f0f6f3}#cost-breakdown tr:last-child td{font-weight:700}
}
@media print{.cost-research::details-content{content-visibility:visible}}
.cost-guide-return{display:inline-flex;align-items:center;gap:.5rem;min-height:44px;max-width:100%;margin:0 0 .65rem;font-size:1rem;line-height:1.5;overflow-wrap:anywhere}.cost-guide-return[hidden]{display:none}.cost-guide-return img{flex:none;transform:rotate(180deg)}.cost-guide-return:focus-visible{outline:3px solid #175c4b;outline-offset:3px}
.cost-answer{grid-column:2;grid-row:1;min-width:0}.cost-answer .cost-result{min-width:0;min-height:130px}.cost-answer #cost-status{margin:0}.cost-result-context{font-size:.8rem;font-weight:600;color:#526359;margin:0 0 1rem}.cost-totals{display:flex;flex-wrap:wrap;gap:1rem;margin:0 0 1.1rem}.cost-totals>div{flex:1 1 max-content;min-width:0}.cost-totals dt{font-size:.9rem;font-weight:500;color:#45574c;margin-bottom:.35rem}.cost-totals dd{font-size:1.6rem;line-height:1.25;font-weight:700;font-variant-numeric:tabular-nums;color:#24352f;margin:0;min-height:2rem;overflow-wrap:anywhere}.cost-difference{display:flex;flex-wrap:wrap;align-items:baseline;gap:.25rem .65rem;border-top:1px solid #c5d7ce;border-left:3px solid #a34b35;padding:.8rem 0 .2rem .8rem;margin:0 0 .8rem}.cost-metric-label{flex-basis:100%;font-size:.8rem;font-weight:600;color:#526359}.cost-difference strong{font-size:1.6rem;line-height:1.25;font-variant-numeric:tabular-nums;color:#7c3728;overflow-wrap:anywhere;min-width:0}.cost-difference>span:last-child{font-size:.95rem;min-width:0;overflow-wrap:anywhere}.cost-result-note{font-size:.83rem;line-height:1.65;font-weight:400;color:#45574c;margin:0}.cost-next-step{padding:1rem 0 0}.cost-next-step p{font-size:.9rem;line-height:1.65;margin:0 0 .5rem}.cost-next-step .cost-step-label{font-size:.8rem;font-weight:700;color:#175c4b}.cost-next-link{display:inline-flex;align-items:center;gap:.5rem;min-height:44px;font-size:.9rem;font-weight:600;max-width:100%;overflow-wrap:anywhere}.cost-next-link img{flex:none}.cost-next-link:focus-visible{outline:3px solid #175c4b;outline-offset:3px}
@media(max-width:640px){.cost-answer{grid-column:1;grid-row:3}}
.cost-entry{grid-column:1;grid-row:1;min-width:0}.cost-actions{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:.75rem;margin-top:1rem}.cost-actions>.btn{width:auto;margin:0}.cost-actions>.reset-control{margin:0}#cost-calculator .money-chart{grid-row:2}#cost-breakdown{grid-row:3}
.extra-tool>.cost-actions{grid-column:1;grid-row:2;margin-top:0;min-width:0}.cost-actions>*{max-width:100%}.cost-actions>.reset-control{flex:none}
.compare-start-actions>.btn{max-width:100%}
@media(max-width:640px){#cost-calculator .cost-answer{grid-row:2}#cost-calculator .money-chart{grid-row:3}#cost-breakdown{grid-row:4}}
@media(max-width:840px),(pointer:coarse){
 .cost-page #site-navigation a,.cost-page .footer-links a{display:flex;align-items:center;min-height:44px}
 .cost-page .footer-links{gap:.3rem 1.25rem}
 .cost-workspace .cost-inputs input{font-size:1rem}
 .cost-workspace .reset-control,.cost-workspace .tool-tabs button{font-size:.9rem}
 .cost-workspace .journey-context a,.cost-workspace .journey-context button{min-width:44px;min-height:44px;justify-content:center}
 .cost-workspace .input-help{font-size:.875rem}
 .cost-workspace .chart-key,.cost-workspace .money-chart figcaption{font-size:.875rem;line-height:1.6}
 .cost-workspace .chart-row{font-size:.9rem}
}
/* Keep a currency value intact; only unusually large amounts need local scrolling. */
.cost-totals dd,.cost-difference strong{white-space:nowrap;overflow-wrap:normal;overflow-x:auto;overflow-y:hidden;max-width:100%}
.cost-difference strong{display:block}
@media(max-width:640px){
 #cost-breakdown tbody tr{grid-template-columns:repeat(auto-fit,minmax(min(100%,9em),1fr))}
 #cost-breakdown td>span:last-child{white-space:nowrap;overflow-wrap:normal;overflow-x:auto;overflow-y:hidden;max-width:100%}
}
@media(max-width:400px){
 .cost-answer .cost-result{padding:1rem .65rem}
 .cost-totals dd,.cost-difference strong{font-size:1.25rem}
 .cost-difference{padding-left:.5rem}
}