:root{--ink:#0b2533;--muted:#45606e;--brand:#0b4f6c;--brand2:#0a6b5e;--bg:#fff;--soft:#f2f7f9;--line:#d5e2e8;--warn:#8a4b00;--r:14px}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}
body{margin:0;font:17px/1.6 system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;color:var(--ink);background:var(--bg);padding-bottom:64px}
a{color:var(--brand)}a:hover{color:var(--brand2)}
:focus-visible{outline:3px solid #f2a900;outline-offset:2px;border-radius:4px}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px;top:0;background:#fff;padding:10px 14px;z-index:99}.skip:focus{left:10px;top:10px}
.site-header{border-bottom:1px solid var(--line);background:#fff}
.hdr{display:flex;flex-wrap:wrap;align-items:center;gap:12px;min-height:64px}
.brand{display:flex;gap:8px;align-items:center;text-decoration:none;color:var(--ink);font-weight:600;font-size:19px}.brand b,.brand-sm b{color:var(--brand2)}
.nav{display:flex;flex-wrap:wrap;gap:4px 16px;list-style:none;margin:0;padding:0}.nav a{text-decoration:none;font-weight:500;padding:8px 2px;display:inline-block}
nav{flex:1}.lang{border:1px solid var(--line);border-radius:999px;padding:6px 14px;text-decoration:none;font-weight:600}
main{display:block}main:focus{outline:none}
h1{font-size:clamp(28px,5vw,44px);line-height:1.15;margin:.4em 0}h2{font-size:clamp(22px,3.2vw,30px);line-height:1.2;margin:1.6em 0 .5em}h3{font-size:20px;margin:1.2em 0 .3em}.h4{font-size:18px}
.hero{background:linear-gradient(180deg,#eef7f5,#fff);padding:28px 0 8px}.hero .wrap{display:grid;gap:24px}
@media(min-width:860px){.hero .wrap{grid-template-columns:1.2fr 1fr;align-items:center}}
.hero-art{width:100%;height:auto}.lede{font-size:19px;color:var(--muted)}
.answer{background:var(--soft);border-left:5px solid var(--brand2);border-radius:var(--r);padding:16px 20px;margin:20px 0}.answer p{margin:.2em 0 .6em;font-size:18px}
.eyebrow{font-size:13px;text-transform:uppercase;letter-spacing:.08em;color:var(--brand2);margin:0}
.badges{display:flex;flex-wrap:wrap;gap:8px;list-style:none;margin:0;padding:0}.badges li{background:#fff;border:1px solid var(--line);border-radius:999px;padding:3px 12px;font-size:14px;font-weight:600}
.btn{display:inline-block;background:var(--brand);color:#fff;border:2px solid var(--brand);border-radius:10px;padding:11px 18px;font-weight:700;text-decoration:none;font-size:16px;cursor:pointer;min-height:44px}
.btn:hover{background:var(--brand2);border-color:var(--brand2);color:#fff}.btn.ghost{background:#fff;color:var(--brand)}.btn.ghost:hover{background:var(--soft);color:var(--brand2)}
.finder{background:#fff;border:2px solid var(--brand);border-radius:var(--r);padding:18px;margin:12px 0}
.finder input{width:100%}.results{list-style:none;padding:0;margin:10px 0 0}.results li{border-top:1px solid var(--line);padding:10px 0}
label{display:block;font-weight:600;margin:.4em 0 .2em}input,textarea,select{font:inherit;color:inherit;border:2px solid #6b8794;border-radius:10px;padding:10px 12px;width:100%;background:#fff}
.check{display:flex;gap:10px;align-items:flex-start;margin:10px 0}.check input{width:22px;height:22px;flex:none;margin-top:3px}.check label{font-weight:400}
.row{display:grid;gap:12px}@media(min-width:640px){.row{grid-template-columns:1fr 1fr}}
.card{background:var(--soft);border-radius:var(--r);padding:20px;margin:28px 0}.hint,.small{font-size:14px;color:var(--muted)}
.disclosure{background:#fff7e6;border:1px solid #f0d9a8;border-radius:10px;padding:10px 14px;font-size:15px}
.steps{list-style:none;padding:0;display:grid;gap:14px}@media(min-width:760px){.steps{grid-template-columns:1fr 1fr}}
.steps li{border:1px solid var(--line);border-radius:var(--r);padding:16px}.steps h3{margin-top:0}
.grid2{display:grid;gap:16px}@media(min-width:760px){.grid2{grid-template-columns:1fr 1fr}}.grid3{display:grid;gap:14px}@media(min-width:760px){.grid3{grid-template-columns:repeat(3,1fr)}}
.tile{display:block;border:1px solid var(--line);border-radius:var(--r);padding:16px;text-decoration:none;color:var(--ink)}.tile:hover{border-color:var(--brand)}.tile strong{color:var(--brand)}
.tag{display:inline-block;font-size:13px;font-weight:700;border-radius:6px;padding:2px 8px;background:#e0f2ec;color:#0a5246}.tag.loan{background:#e8eefc;color:#22408a}.tag.cost-share{background:#fdf0e1;color:var(--warn)}
.quote{margin:0;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:16px}.quote blockquote{margin:0;font-size:18px}.quote figcaption{font-size:14px;color:var(--muted)}
table{border-collapse:collapse;width:100%;font-size:16px}th,td{border-bottom:1px solid var(--line);padding:10px 8px;text-align:left;vertical-align:top}th{background:var(--soft)}.tablewrap{overflow-x:auto}
.diagram{margin:20px 0}.diagram svg{width:100%;height:auto;max-width:640px}.diagram figcaption{font-size:14px;color:var(--muted)}
details{border:1px solid var(--line);border-radius:10px;padding:10px 14px;margin:8px 0}summary{font-weight:600;cursor:pointer}
.helpful{border-top:1px solid var(--line);margin-top:32px;padding-top:12px}
.sticky-cta{position:fixed;left:0;right:0;bottom:0;background:rgba(255,255,255,.97);border-top:1px solid var(--line);text-align:center;padding:10px;z-index:50}.sticky-cta a{font-weight:700}
.site-footer{background:#0b2533;color:#e6f0f4;margin-top:48px;padding:28px 0 12px}.site-footer a{color:#bfe6dc}.foot{display:grid;gap:20px}@media(min-width:760px){.foot{grid-template-columns:1.2fr 1fr}}
.foot-links{list-style:none;padding:0;columns:2}.foot-links li{margin:4px 0}.site-footer .small{color:#bcd0d9}.flag{background:#5c3b00;color:#fff;display:inline-block;padding:2px 8px;border-radius:6px}
.brand-sm{font-weight:700;font-size:18px}.brand-sm b{color:#7dd3c0}
.crumbs{font-size:14px;margin:14px 0 0}.crumbs ol{list-style:none;padding:0;display:flex;flex-wrap:wrap;gap:6px}.crumbs li+li:before{content:"›";margin-right:6px;color:var(--muted)}
@media (prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important;scroll-behavior:auto!important}}
.photo{margin:20px 0}.photo img{width:100%;height:auto;border-radius:var(--r);display:block;background:#e6eef2}.photo figcaption{font-size:14px;color:var(--muted);margin-top:6px}.credit{font-size:13px}
.photo.banner img{aspect-ratio:16/6;object-fit:cover}.photo.small{max-width:300px}.photo.half{max-width:520px}
.photo-row{display:grid;gap:16px}@media(min-width:760px){.photo-row{grid-template-columns:1fr 1fr}}
.stepper ol{list-style:none;display:grid;grid-template-columns:repeat(4,1fr);gap:6px;padding:0;margin:8px 0 14px}.stepper a{display:block;min-height:44px;border:2px solid var(--line);border-radius:10px;padding:6px 8px;text-decoration:none;font-size:13px;font-weight:700;color:var(--muted)}.stepper a span{display:block;color:var(--brand);font-size:15px}.stepper a:hover{border-color:var(--brand)}
.done-note{background:#e0f2ec;border-color:#a7d8c8!important}@media(min-width:760px){.done-note{grid-column:1/-1}}
.call-bar{display:flex;flex-wrap:wrap;gap:8px;align-items:center;margin:12px 0}.call-bar .btn{display:inline-flex;align-items:center;gap:6px}
@media(min-width:900px){.call-bar.mobile-first{justify-content:flex-start}}
.keep{border-top:2px solid var(--line);margin-top:32px}.keep .grid2 a{min-height:44px}
.date-box{border:2px solid var(--brand);border-radius:var(--r);padding:14px 18px;margin:18px 0;background:#fff}.date-box strong{font-size:22px;display:block}
.prompt{position:fixed;inset:auto 0 0 0;margin:0 auto;max-width:520px;width:calc(100% - 24px);border:2px solid var(--brand);border-radius:var(--r) var(--r) 0 0;padding:18px 20px 22px;background:#fff;box-shadow:0 -8px 30px rgba(0,0,0,.18);max-height:65vh;overflow:auto;z-index:100}
.prompt::backdrop{background:rgba(11,37,51,.35)}
@media(min-width:760px){.prompt{inset:auto 24px 24px auto;margin:0;border-radius:var(--r)}}
@media(prefers-reduced-motion:no-preference){.prompt[open]{animation:up .25s ease-out}@keyframes up{from{transform:translateY(20px);opacity:0}}}
.prompt .x{position:absolute;top:6px;right:6px;width:44px;height:44px;border:0;background:none;font-size:26px;cursor:pointer;color:var(--ink)}
.linkbtn{background:none;border:0;color:var(--brand);text-decoration:underline;font:inherit;cursor:pointer;min-height:44px;padding:0 8px}
.quiz fieldset{border:1px solid var(--line);border-radius:var(--r);padding:14px 16px;margin:14px 0}.quiz legend{font-weight:700;padding:0 6px}.quiz .opt{display:flex;gap:10px;align-items:center;min-height:44px}.quiz .opt input{width:22px;height:22px;flex:none}.quiz .opt label{font-weight:400;margin:0}
.result{border:3px solid var(--brand2);border-radius:var(--r);padding:16px 20px;margin:18px 0;background:#f2fbf8}
.share{display:flex;flex-wrap:wrap;gap:8px}
@media print{.no-print,.site-header nav,.lang,.sticky-cta,.helpful,.report,.alerts,.keep,.share,.stepper,form,.prompt,.site-footer .foot-links,.call-bar{display:none!important}body{padding:0;font-size:12pt}a{color:#000}.print-foot{display:block!important;position:fixed;bottom:0;left:0;right:0;font-size:9pt;text-align:center;border-top:1px solid #999;background:#fff}.photo{break-inside:avoid}}
.print-foot{display:none}
.countdown{font-size:18px;font-weight:600;font-variant-numeric:tabular-nums}.cd-num{font-size:28px;color:var(--brand)}.cd-note{margin:.2em 0 .6em}@media(prefers-reduced-motion:reduce){.cd-fine{display:none}}
.coming-soon{background:#fff8ec;border-left:4px solid #b26b00;padding:.5rem .75rem;margin:0 0 .5rem}
fieldset.cs{border:0;padding:0;margin:0;min-width:0}
fieldset.cs[disabled]{opacity:.7}
.built a{color:inherit}
.hp{position:absolute;left:-10000px;width:1px;height:1px;overflow:hidden}
.ts{min-height:0;margin:.25rem 0}