:root{color-scheme:light;--paper:#f7f6ef;--ink:#142c25;--green:#14533f;--muted:#4a6257;--line:#c9d4c9;--accent:#cde68c}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font:1rem/1.65 system-ui,sans-serif}a{color:var(--green);text-underline-offset:.22em}a:focus-visible{outline:3px solid var(--green);outline-offset:5px}.wrap{width:min(1120px,calc(100% - 40px));margin-inline:auto}.skip{position:absolute;left:1rem;top:-6rem;background:white;padding:1rem;z-index:1}.skip:focus{top:1rem}header,footer{display:flex;align-items:center;gap:1.25rem;flex-wrap:wrap;padding:1.4rem 0;border-bottom:1px solid var(--line)}header{justify-content:space-between}nav{display:flex;gap:1.2rem}.brand{font-weight:760;color:var(--ink);text-decoration:none;letter-spacing:-.03em}.brand span{display:inline-grid;place-items:center;background:var(--green);color:white;border-radius:.35rem;width:1.6em;height:1.6em;margin-right:.25em}.hero{margin:2rem 0 4rem;padding:clamp(1.5rem,6vw,5rem);border-radius:1rem;background:#103b30;color:var(--paper)}.hero h1{font-size:clamp(2.6rem,7.7vw,6.8rem);max-width:15ch}.hero h1 span,.hero .eyebrow{color:var(--accent)}h1,h2{font-family:Georgia,serif;font-weight:500;line-height:1.06;letter-spacing:-.045em}h1{margin:.3em 0;font-size:clamp(2.5rem,6vw,4.8rem)}h2{font-size:clamp(1.65rem,3.5vw,2.6rem);margin:.4em 0}.hero>p:not(.eyebrow){max-width:50ch;font-size:clamp(1rem,2.2vw,1.25rem)}.eyebrow{font-size:.74rem;font-weight:760;letter-spacing:.11em;text-transform:uppercase;color:var(--muted)}.cta{display:inline-flex;gap:.7rem;margin-top:1rem;background:var(--accent);color:var(--ink);padding:.8rem 1rem;border-radius:.35rem;text-decoration:none;font-weight:750}.hero a:focus-visible{outline-color:var(--accent)}.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,220px),1fr));gap:1rem;margin:1.25rem 0}.card{display:flex;min-height:9rem;flex-direction:column;justify-content:space-between;gap:.8rem;border:1px solid var(--line);border-radius:.6rem;padding:1.1rem;color:var(--ink);text-decoration:none;background:#fffdf8}.card:hover{border-color:var(--green);text-decoration:underline}.arrow{align-self:end}.note,.answer{background:#e6eee2;border-left:4px solid var(--green);padding:1.1rem 1.4rem}.note{margin:3rem 0}.back{display:inline-block;margin-bottom:1.15rem}article{max-width:740px;margin:3rem auto}article section{margin:2.4rem 0}article p{max-width:70ch}.answer{font-size:1.14rem}.fine,footer p{color:var(--muted);font-size:.9rem}.related{margin:3rem 0}footer{border-bottom:0;border-top:1px solid var(--line)}footer p{margin:0}@media(max-width:420px){.wrap{width:calc(100% - 28px)}.hero br{display:none}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}

header .languages{gap:.55rem .9rem;flex-wrap:wrap;font-size:.9rem}
.languages a[aria-current=page]{font-weight:750;text-decoration-thickness:2px}
.languages .language-recommended{background:#eef4fc;border-radius:.2rem;box-shadow:0 0 0 .17rem #eef4fc}

#contact-form{display:grid;gap:1rem;max-width:38rem;margin-top:1.75rem}
#contact-form label{display:grid;gap:.3rem;font-weight:650}
#contact-form input,#contact-form textarea{width:100%;font:inherit;color:inherit;background:#fffdf8;border:1px solid var(--muted);border-radius:.35rem;padding:.6rem .7rem}
#contact-form input:focus-visible,#contact-form textarea:focus-visible,#contact-form button:focus-visible{outline:3px solid var(--green);outline-offset:3px}
#contact-form .cta{justify-self:start;margin:0;border:1px solid var(--green);cursor:pointer;font:inherit;font-weight:750}
#contact-form .cta:disabled{opacity:.65;cursor:wait}
#contact-form p{margin:0}

:root{--paper:#f8fafc;--ink:#14213d;--green:#14213d;--muted:#526079;--line:#dee5ef;--accent:#c52337}
.wrap{width:min(1180px,calc(100% - 32px))}
h1,h2{font-family:system-ui,sans-serif;font-weight:780;letter-spacing:-.045em}
header .brand svg{display:block;width:min(180px,48vw);height:auto}
header nav{flex-wrap:wrap;gap:.7rem 1rem}
.hero{background:linear-gradient(145deg,#eef4fc,#fff);color:var(--ink);border:1px solid var(--line)}
.hero .eyebrow,.hero h1 span{color:#a91d30}
.hero h1{font-size:clamp(2.25rem,6vw,4.2rem)}
.cta{background:#c52337;color:white;min-height:48px;align-items:center}
.cta:hover{background:#a91d30}
.cta.secondary{background:white;color:var(--ink);border:1px solid var(--ink)}
.tool-actions{display:flex;flex-wrap:wrap;gap:.6rem}
.tool-actions .cta:first-child:not(.secondary){background:var(--ink)}
.note,.answer{background:#eef4fc}
.state-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,190px),1fr));gap:.8rem}
.state-grid h2{font-size:1.3rem}
.state-grid p,.decision-form input{font-variant-numeric:tabular-nums}
.decision-form:not([hidden]){display:grid;gap:.85rem}
.decision-form label{display:grid;gap:.25rem;font-weight:650}
.decision-form select,.decision-form input{font:inherit;padding:.6rem;border:1px solid #526079;border-radius:.4rem;background:white;color:var(--ink);width:100%}
.decision-form button{justify-self:start;border:0;font:inherit;font-weight:700;cursor:pointer}
#decision-result:not(:empty){margin-block:1rem;padding:1rem;background:#eef4fc;border-radius:.6rem}
.checklist li{padding:.6rem .75rem;border-bottom:1px solid var(--line)}
.guide-contents{margin-block:1rem;padding:.25rem .85rem;border:1px solid var(--line);border-radius:.5rem}
.guide-contents summary{min-height:44px;padding-block:.5rem;font-weight:700;cursor:pointer}
.guide-contents li a{display:inline-block;padding-block:.25rem}
.guide-sidebar{display:none}
.guide-reading{min-width:0}
@media(min-width:980px){
  article:has(.guide-layout){max-width:100%}
  .guide-intro{max-width:740px;margin-inline:auto}
  .guide-layout{display:grid;grid-template-columns:minmax(180px,220px) minmax(0,740px);justify-content:center;gap:2rem}
  .guide-sidebar{display:block;position:sticky;align-self:start;top:1rem;max-height:calc(100vh - 2rem);overflow:auto;padding:.5rem .8rem;border:1px solid var(--line);border-radius:.5rem}
  .guide-sidebar p{margin:.25rem 0;font-weight:700}
  .guide-sidebar ol{margin:.25rem 0;padding-inline-start:1.35rem}
  .guide-sidebar a{display:inline-block;padding-block:.24rem}
  .guide-contents{display:none}
}
.checklist li label{display:flex;align-items:center;gap:.65rem;min-height:44px;cursor:pointer}
.checklist input{inline-size:1.25rem;block-size:1.25rem;accent-color:var(--accent)}
.checklist li p{margin:.2rem 0 .5rem}
.checklist button{min-height:44px;background:white;border:1px solid var(--line);border-radius:.35rem;padding:.4rem .8rem;font:inherit}
@media(prefers-reduced-motion:no-preference){
  @view-transition{navigation:auto}
  ::view-transition-old(root),::view-transition-new(root){animation-duration:120ms}
}
.state-article{max-width:1000px}
.state-article dl{margin:.5rem 0}
.state-article dt{font-size:.9rem;color:var(--muted)}
.state-article dd{margin:0 0 .6rem;font-weight:750;font-variant-numeric:tabular-nums}

.brand-loader{position:fixed;z-index:20;inset:0;display:grid;place-items:center;background:var(--paper);pointer-events:none}
.brand-loader[hidden]{display:none}
.brand-loader-art{position:relative;width:min(320px,76vw);aspect-ratio:3}
.brand-loader-art svg{display:block;width:100%;height:auto}
.brand-loader-art .brand-swoosh{animation:brand-sweep 300ms both}
.brand-loader-art .brand-building,.brand-loader-art .brand-columns{animation:brand-rise 240ms 80ms both}
.brand-loader-art .brand-roof{animation:brand-rise 180ms 175ms both}
.brand-loader-art .brand-star{transform-box:fill-box;transform-origin:center;animation:brand-star 160ms 340ms both}
.brand-loader-art .brand-launch,.brand-loader-art .brand-states{animation:brand-rise 130ms 420ms both}
@media(prefers-reduced-motion:no-preference){
  .home-section .card.revealed{animation:card-reveal 180ms ease-out both}
}
@keyframes card-reveal{from{opacity:.86;transform:translateY(8px)}to{opacity:1;transform:none}}
@keyframes brand-sweep{from{opacity:0;transform:translateX(-12px) scaleX(.3);transform-origin:left}to{opacity:1}}
@keyframes brand-rise{from{opacity:0;transform:translateY(4px)}to{opacity:1;transform:translateY(0)}}
@keyframes brand-star{0%{opacity:0;transform:scale(.8)}70%{opacity:1;transform:scale(1.05)}100%{opacity:1;transform:scale(1)}}
@media(prefers-reduced-motion:reduce){.brand-loader{display:none}}
.home-hero{display:grid;grid-template-columns:1.2fr 1fr;align-items:center;gap:1.5rem}
.home-hero .affiliate-cta{margin-block:.75rem}
.home-art{width:100%;height:auto}
.home-trust,.home-steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,200px),1fr));gap:1rem;padding:1rem 1.25rem;background:#eef4fc;border-radius:.5rem}
.home-trust{list-style:none;font-weight:700}
.home-steps li{margin-inline-start:1.25rem}
.home-section{margin-block:2.25rem}
@media(max-width:650px){.home-hero{grid-template-columns:1fr;gap:.5rem}.home-art{max-height:155px}}
.provider-creative{display:block;width:min(100%,340px);padding:.8rem;margin:1.1rem 0;border:1px solid var(--line);border-radius:.5rem;background:white}
.provider-creative img{display:block;width:100%;height:auto}
.mobile-application{position:fixed;z-index:3;inset:auto 0 0;padding:.45rem 1rem calc(.45rem + env(safe-area-inset-bottom));background:var(--paper);border-top:1px solid var(--line)}
.mobile-application .affiliate-cta{max-width:36rem;margin-inline:auto}
.mobile-application .cta{width:100%;justify-content:center;margin:0}
.mobile-application .fine{margin:.2rem 0 0;font-size:.78rem;line-height:1.35}
@media(min-width:651px){.mobile-application{display:none}}
.decision-form label[hidden],.decision-form button[hidden]{display:none}

/* Navigation and cards use shape and spacing to signal links. */
header nav a,footer a,.guide-sidebar a,.guide-contents a,.card,.card:hover,
.home-section h2 a,.back,.tool-actions > a{text-decoration:none}
header nav a,footer a,.guide-sidebar a,.guide-contents a,.back{font-weight:650}
header .languages a{padding:.2rem .45rem;border-radius:.35rem}
header .languages a[aria-current=page]{background:#e6eef9;color:var(--ink)}
.guide-sidebar li+li,.guide-contents li+li{margin-block-start:.25rem}
.guide-sidebar a,.guide-contents a{line-height:1.45}
.card{border-radius:.85rem;background:#fff}
.guide-reading>section+section{border-top:1px solid var(--line);padding-top:1.65rem}
.guide-reading>section>h2{line-height:1.18}
.guide-reading>section>p{line-height:1.75}
.tool-actions>a:not(.cta){display:inline-flex;align-items:center;min-height:44px;padding:.4rem .7rem;border:1px solid var(--line);border-radius:.45rem;background:white;font-weight:650}
@media(hover:hover){
  header nav a:hover,footer a:hover,.guide-sidebar a:hover,.guide-contents a:hover,.home-section h2 a:hover,.back:hover{color:#a91d30}
  .tool-actions>a:not(.cta):hover{border-color:var(--ink)}
}
.state-preview{margin:0;min-width:0;justify-content:flex-start}
.state-preview h3,.state-preview p,.state-preview dl{margin:0}
.state-preview h3{font-size:1.25rem}
.state-preview p{color:var(--muted)}
.state-preview dl{padding-block:.75rem;border-block:1px solid var(--line);margin-block-start:auto}
.state-preview dt{font-size:.82rem;color:var(--muted)}
.state-preview dd{margin:0 0 .4rem;font-size:1.35rem;font-weight:750;font-variant-numeric:tabular-nums}
.state-preview a{font-weight:700;text-decoration:none;display:flex;align-items:center;justify-content:space-between;min-height:44px;gap:.4rem}
.state-preview a:hover{color:#a91d30}
.checklist{padding:clamp(1rem,3vw,1.6rem);background:#fff;border:1px solid var(--line);border-radius:1rem}
.checklist ol{padding-inline-start:1.6rem}
.checklist li{padding:.65rem 0 .85rem .35rem}
.checklist li::marker{font-weight:750;color:var(--muted)}
.checklist li:has(input:checked)::marker{color:var(--green)}
.checklist [role=status]{font-weight:750;color:var(--green)}
.checklist-next{display:inline-flex;align-items:center;gap:.4rem;min-height:44px;font-size:.9rem;font-weight:700;text-decoration:none}
.checklist-next:hover{color:#a91d30}
.reading-card{justify-content:flex-start;padding:1.25rem}
.reading-card strong{font-size:1.08rem;line-height:1.35}
.reading-card>span:not(.arrow){color:var(--muted);font-size:.94rem}
.reading-card .arrow{margin-block-start:auto;font-weight:750}
.resource-calculator{margin-block:1.5rem;padding:1rem;border:1px solid var(--line);border-radius:.75rem;background:#eef4fc}
.resource-calculator .cta{margin:0;max-width:100%}
.cost-breakdown{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,155px),1fr));gap:.65rem;margin:0 0 1rem}
.cost-breakdown>div{min-width:0;padding:.85rem;background:#fff;border:1px solid var(--line);border-radius:.65rem}
.cost-breakdown dt{color:var(--muted);font-size:.87rem;line-height:1.4}
.cost-breakdown dd{margin:.25rem 0 0;font-size:clamp(1.35rem,3vw,1.85rem);font-weight:780;font-variant-numeric:tabular-nums;overflow-wrap:anywhere}
#decision-result .cta{margin:0}
.home-tool{min-height:10rem}
.home-steps a{text-decoration:none;font-weight:650}
.home-steps a:hover{color:#a91d30}
.sources{padding:1rem clamp(1rem,3vw,1.5rem);border:1px solid var(--line);border-radius:.85rem;background:#fff}
.sources h2{font-size:1.35rem}
.sources ul{padding:0;margin:.5rem 0 0;list-style:none}
.sources li+li{border-top:1px solid var(--line)}
.sources li a{display:flex;justify-content:space-between;align-items:center;gap:.8rem;min-height:44px;padding:.35rem 0;font-weight:650;text-decoration:none;overflow-wrap:anywhere}
.sources li a::after{content:"↗" / "";flex:none}
.sources li a:hover{color:#a91d30}
.sources li small{display:block;margin-block-start:.15rem;color:var(--muted);font-size:.78rem;font-weight:500}
.guide-reading>.application-step{position:relative;margin-block:1rem;padding:1.25rem 1.1rem 1.25rem 3.85rem;border:1px solid var(--line);border-radius:.85rem;background:#fff}
.application-step::before{content:attr(data-step) / "";position:absolute;inset-block-start:1.25rem;inset-inline-start:.95rem;display:grid;place-items:center;width:2.1rem;height:2.1rem;border-radius:.45rem;background:#eef4fc;color:var(--ink);font-size:.8rem;font-weight:750;font-variant-numeric:tabular-nums}
.guide-reading>.application-step h2{margin:0;font-size:clamp(1.2rem,3vw,1.65rem)}
.application-step p{margin:.65rem 0 0}
.state-preview dd small{font-size:.72em;font-weight:600;color:var(--muted)}
#guides .reading-card .eyebrow{align-self:flex-start;padding:.2rem .55rem;border-radius:.35rem;background:#eef4fc;color:var(--ink);font-size:.69rem;letter-spacing:.04em}
#guides .reading-card strong{font-size:1.2rem;line-height:1.3}
#guides .reading-card .arrow{display:grid;place-items:center;inline-size:2rem;block-size:2rem;border:1px solid var(--line);border-radius:50%}
@media(max-width:560px){
  #guides .cards{grid-template-columns:minmax(0,1fr)}
  #guides .reading-card{min-width:0}
}
.state-action{display:flex;align-items:center;justify-content:space-between;gap:.65rem;min-height:44px;padding:.4rem .7rem;border:1px solid var(--line);border-radius:.5rem;background:#fff;font-weight:700;text-decoration:none}
.state-action:hover{border-color:var(--ink);color:var(--ink)}
.state-action span{flex:none}
.state-article .state-grid{align-items:stretch}
.state-article .state-grid>.card{margin:0;justify-content:flex-start;gap:.85rem}
.state-article .state-grid>.card h2{margin:0}
.state-article .state-grid>.card p{margin:0}
.state-article .state-grid>.card dl{display:grid;grid-template-columns:minmax(0,1fr) auto;gap:.55rem .7rem;align-items:baseline;margin:auto 0 0;padding-block:.85rem;border-block:1px solid var(--line)}
.state-article .state-grid>.card dt{font-size:.85rem;line-height:1.4}
.state-article .state-grid>.card dd{margin:0;text-align:end}
.state-article .state-grid>.card:hover{text-decoration:none}
.state-article .state-action:hover{text-decoration:none}
.guide-directory{margin:1.5rem 0 3rem;padding:.5rem 1rem;border:1px solid var(--line);border-radius:.85rem;background:#fff}
.guide-directory summary{padding:.55rem 0;min-height:44px;font-weight:750;cursor:pointer}
.guide-directory section{min-width:0}
.guide-directory h3{margin:.25rem 0 .65rem;font-size:1rem}
.home-steps{list-style:none;padding:.55rem .85rem;gap:0;grid-template-columns:repeat(2,minmax(0,1fr))}
.home-steps li{margin:0;min-width:0}
.home-steps a{display:grid;grid-template-columns:auto minmax(0,1fr) auto;align-items:center;gap:.6rem;min-height:52px;padding:.45rem .6rem}
.roadmap-number{display:grid;place-items:center;width:1.65rem;height:1.65rem;border-radius:50%;background:#fff;color:var(--ink);font-size:.8rem}
.roadmap-arrow{color:var(--muted)}
@media(max-width:560px){.home-steps{grid-template-columns:minmax(0,1fr)}.home-steps li+li{border-top:1px solid var(--line)}}
.roadmap-follow-up{display:flex;flex-wrap:wrap;gap:.35rem;padding:0 .55rem .5rem}
.roadmap-follow-up a{display:inline-flex;gap:.4rem;min-height:44px;font-size:.85rem;background:#fff;border-radius:.4rem}
.worksheet-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,215px),1fr));gap:.8rem}
.worksheet-grid fieldset{min-width:0;margin:0;padding:.75rem;border:1px solid var(--line);border-radius:.65rem;background:#fff}
.worksheet-grid legend{font-weight:750}
.worksheet-grid label{display:grid;gap:.25rem;margin-block:.45rem;font-size:.85rem;color:var(--muted)}
.worksheet-grid input{width:100%;min-height:44px;border:1px solid #65758c;border-radius:.35rem;padding:.35rem .5rem;font:inherit;color:var(--ink)}
.worksheet-grid input:focus-visible{outline:2px solid var(--green);outline-offset:2px}
@media print{.worksheet-grid fieldset{break-inside:avoid}}
.worksheet-print[hidden]{display:none}
@media print{
  body:has(.annual-worksheet)>:not(main),
  main:has(.annual-worksheet)>:not(article),
  article:has(.annual-worksheet)>:not(.guide-layout),
  .guide-layout:has(.annual-worksheet)>:not(.guide-reading),
  .guide-reading:has(.annual-worksheet)>:not(.annual-worksheet),
  .worksheet-print{display:none!important}
  .guide-layout:has(.annual-worksheet){display:block}
  .worksheet-grid{grid-template-columns:1fr}
}

.decision-form:not([hidden]){gap:.65rem;padding:clamp(.85rem,3vw,1.35rem);background:#fff;border:1px solid var(--line);border-radius:.85rem}
.decision-form>p:first-child{margin:0;color:var(--muted);font-size:.85rem;font-weight:750;font-variant-numeric:tabular-nums}
.decision-form select,.decision-form input{min-height:44px;padding:.55rem .75rem;font-weight:500}
.decision-form select{appearance:none;padding-inline-end:2.5rem;background:#fff url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16'%3E%3Cpath d='m4 6 4 4 4-4' fill='none' stroke='%23142036' stroke-width='1.6' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") right .8rem center/1rem no-repeat}
.decision-form select:focus-visible,.decision-form input:focus-visible,.decision-form button:focus-visible{outline:2px solid var(--ink);outline-offset:2px}
.decision-form .cta{margin:0;min-height:44px;padding:.45rem .85rem}
.decision-form .cta.secondary:hover{background:#eef4fc;color:var(--ink)}
.decision-form .tool-actions{align-items:center;gap:.5rem}
@media(forced-colors:active){.decision-form select{appearance:auto;background-image:none}}
.decision-form + #decision-result + .state-grid{margin-block-start:1rem}
.fee-context{margin-block-start:.85rem;padding-block-start:.6rem;border-top:1px solid var(--line)}
.fee-context .fine{margin:.35rem 0}
.decision-track{display:flex;gap:.35rem;margin-block-end:.25rem}
.decision-track span{flex:1;height:.28rem;border-radius:1rem;background:#e1e8f1}
.decision-track .is-filled{background:var(--ink)}

.visually-hidden{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip-path:inset(50%);white-space:nowrap;border:0}
.site-header{position:relative;z-index:5;display:grid;grid-template-columns:auto 1fr auto;gap:clamp(.6rem,2.5vw,2rem);padding-block:.65rem;min-height:65px}
.site-header .brand-lockup{display:block;position:relative;width:clamp(132px,19vw,190px);aspect-ratio:5.55;overflow:hidden}
.brand-lockup img{position:absolute;display:block;width:104%;height:auto;max-width:none;inset-inline-start:-2%;top:-50%}
.site-header .site-nav{justify-content:center;gap:.2rem}
.site-nav a,.header-panel a{display:flex;align-items:center;min-height:44px;padding:.35rem .75rem;border-radius:.45rem;text-decoration:none}
.site-header a:hover,.site-header summary:hover{background:#eef3fa;color:var(--ink)}
.site-header .brand-lockup:hover{background:transparent}
.header-controls{display:flex;align-items:center;gap:.35rem}
.header-controls details{position:relative}
.header-controls summary{display:flex;align-items:center;gap:.35rem;min-height:44px;padding:.35rem .6rem;border:1px solid var(--line);border-radius:.5rem;background:white;font-size:.85rem;font-weight:700;cursor:pointer;list-style:none}
.header-controls summary::-webkit-details-marker{display:none}
.header-controls summary::after{content:"";width:.35rem;height:.35rem;border:solid currentColor;border-width:0 1.5px 1.5px 0;transform:translateY(-2px) rotate(45deg)}
.header-controls details[open] summary::after{transform:translateY(1px) rotate(225deg)}
.header-controls summary:focus-visible{outline:2px solid var(--ink);outline-offset:2px}
.site-header .header-panel{position:absolute;inset-inline-end:0;top:calc(100% + .45rem);display:grid;gap:.15rem;width:max-content;min-width:10rem;max-width:calc(100vw - 2rem);padding:.35rem;background:#fff;border:1px solid var(--line);border-radius:.65rem;box-shadow:0 10px 24px #14213d16}
.site-header .header-panel a{padding:.35rem .65rem}
.site-header .mobile-menu{display:none}
@media(max-width:700px){
  .site-header{grid-template-columns:1fr auto;gap:.5rem}
  .site-header .site-nav{display:none}
  .site-header .mobile-menu{display:block}
}
.home-hero{padding:clamp(1.2rem,4vw,3rem);margin:1.15rem 0 1.2rem;background:#fff;gap:clamp(1.1rem,4vw,3rem)}
.home-hero h1{line-height:1.04}
.hero-route{min-width:0;padding:clamp(.85rem,2vw,1.3rem);background:#f4f7fb;border:1px solid var(--line);border-radius:.8rem}
.hero-route>.eyebrow{margin:0 0 .45rem}
.hero-route a{display:grid;grid-template-columns:auto minmax(0,1fr) auto;align-items:center;gap:.65rem;min-height:56px;padding:.65rem .2rem;text-decoration:none}
.hero-route a+a{border-top:1px solid var(--line)}
.hero-route a:hover strong{color:#a91d30}
.hero-route small{display:block;color:var(--muted);line-height:1.45;margin-top:.18rem}
.home-trust{margin-block:1rem}
.guide-reading>section>p,.guide-intro>.answer{overflow-wrap:anywhere}
.guide-reading .fine a,.fee-context a,.state-article .card p a{font-weight:700;text-decoration:none}
.guide-reading .fine a:hover,.fee-context a:hover,.state-article .card p a:hover{color:#a91d30}
footer.wrap{margin-top:2.5rem;padding-block:1.25rem;gap:.65rem 1rem;font-size:.9rem}
.site-footer.wrap{display:grid;grid-template-columns:minmax(170px,1.1fr) minmax(0,1fr) minmax(0,1fr);align-items:start;gap:1.2rem;padding-block:1.6rem}
.site-footer nav{display:grid;grid-template-columns:minmax(0,1fr);min-width:0;gap:.2rem}
.site-footer nav a{padding-block:.28rem;line-height:1.45;overflow-wrap:anywhere}
.footer-brand .brand{font-size:1.1rem}
.footer-brand p{margin-top:.35rem}
.hero-actions{display:flex;flex-wrap:wrap;gap:.5rem;margin-block:1.2rem .85rem}
.hero-actions .cta{margin:0}
.home-hero .affiliate-cta{margin:0}
.home-hero .affiliate-cta .cta{min-height:44px;margin:0;padding:.4rem 0;background:transparent;color:var(--ink);font-weight:750}
.home-hero .affiliate-cta .cta::after{content:"↗" / ""}
.home-hero .affiliate-cta .cta:hover{color:#a91d30}
.home-hero .affiliate-cta .fine{margin:.1rem 0 0;line-height:1.45}
.guide-intro{margin-block-end:1.4rem}
.guide-intro h1{font-size:clamp(2rem,5vw,3.65rem);line-height:1.08}
.guide-intro .answer{margin:1rem 0 .65rem;border-left:0;border-radius:.75rem;padding:1rem 1.15rem;line-height:1.55}
.guide-contents,.guide-sidebar{background:#fff}
.contact-channel a{display:inline-flex;align-items:center;min-height:44px;padding:.35rem .7rem;border:1px solid var(--line);border-radius:.55rem;background:#fff;text-decoration:none;font-weight:700;overflow-wrap:anywhere}
#contact-form{padding:clamp(.85rem,3vw,1.4rem);border:1px solid var(--line);border-radius:.85rem;background:white}
#contact-form input,#contact-form textarea{min-height:44px;background:#fff}
@media(max-width:620px){
  .site-footer.wrap{grid-template-columns:repeat(2,minmax(0,1fr))}
  .footer-brand{grid-column:1/-1}
}

h1,h2,h3{overflow-wrap:anywhere;hyphens:auto}