:root{
  --navy:#0a2540;
  --navy-dark:#061a30;
  --green:#16a34a;
  --green-dark:#128a3e;
  --green-light:#e7f6ee;
  --ink:#16232e;
  --muted:#5b6b78;
  --line:#dbe5ee;
  --bg:#f4f8f6;
  --card:#ffffff;
  --radius:12px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{
  font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  background:var(--bg);color:var(--ink);line-height:1.55;font-size:16px;
}
a{color:var(--green-dark);text-decoration:none}
a:hover{text-decoration:underline}
.wrap{max-width:960px;margin:0 auto;padding:0 16px}

/* Header */
header.site{
  background:linear-gradient(135deg,var(--navy) 0%,var(--navy-dark) 100%);
  color:#fff;padding:14px 0;
}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;gap:12px;flex-wrap:wrap}
.logo{font-weight:800;font-size:1.25rem;color:#fff;letter-spacing:-.02em}
.logo span{color:#4ade80}
.logo:hover{text-decoration:none}
nav.main{display:flex;gap:18px;font-size:.95rem}
nav.main a{color:#cfe3d8}
nav.main a:hover{color:#fff;text-decoration:none}

/* Hero */
.hero{background:var(--navy);color:#fff;padding:28px 0 34px}
.hero h1{font-size:1.7rem;line-height:1.2;letter-spacing:-.02em;margin-bottom:8px}
.hero p{color:#c9d8e2;max-width:640px}
@media(min-width:700px){.hero h1{font-size:2.2rem}}

/* Cards */
.card{
  background:var(--card);border:1px solid var(--line);border-radius:var(--radius);
  padding:20px;margin:20px 0;box-shadow:0 1px 3px rgba(10,37,64,.05);
}
.card h2{font-size:1.3rem;margin-bottom:12px;color:var(--navy);letter-spacing:-.01em}
.card h3{font-size:1.05rem;margin:16px 0 6px;color:var(--navy)}

/* Calculator */
.calc-grid{display:grid;gap:14px}
@media(min-width:760px){.calc-grid{grid-template-columns:1fr 1fr}}
.field label{display:block;font-weight:600;font-size:.9rem;margin-bottom:5px;color:var(--navy)}
.field input,.field select{
  width:100%;padding:11px 12px;border:1.5px solid var(--line);border-radius:8px;
  font-size:1rem;background:#fff;color:var(--ink);
}
.field input:focus,.field select:focus{outline:none;border-color:var(--green)}
.radio-row{display:flex;gap:8px;margin-bottom:4px}
.radio-row label{
  flex:1;text-align:center;padding:9px 6px;border:1.5px solid var(--line);border-radius:8px;
  cursor:pointer;font-weight:600;font-size:.92rem;background:#fff;
}
.radio-row input{position:absolute;opacity:0;pointer-events:none}
.radio-row label:has(input:checked){border-color:var(--green);background:var(--green-light);color:var(--green-dark)}
.hidden{display:none !important}
button.calc-btn{
  width:100%;padding:13px;background:var(--green);color:#fff;border:none;border-radius:8px;
  font-size:1.05rem;font-weight:700;cursor:pointer;margin-top:6px;
}
button.calc-btn:hover{background:var(--green-dark)}

/* Results */
.results{margin-top:18px;border-top:2px solid var(--green-light);padding-top:14px}
table.breakdown{width:100%;border-collapse:collapse;font-size:.98rem}
table.breakdown th,table.breakdown td{padding:8px 6px;text-align:right;border-bottom:1px solid var(--line)}
table.breakdown th:first-child,table.breakdown td:first-child{text-align:left}
table.breakdown thead th{color:var(--muted);font-size:.82rem;text-transform:uppercase;letter-spacing:.04em}
tr.net-row td{font-weight:800;color:var(--green-dark);font-size:1.08rem;border-bottom:none;background:var(--green-light)}
.summary-strip{display:flex;gap:12px;flex-wrap:wrap;margin-top:14px}
.summary-strip .stat{
  flex:1;min-width:140px;background:var(--green-light);border-radius:8px;padding:10px 14px;text-align:center;
}
.summary-strip .stat b{display:block;font-size:1.15rem;color:var(--navy)}
.summary-strip .stat small{color:var(--muted)}
.disclaimer{
  background:#fff7e6;border:1px solid #f0dfa8;border-radius:8px;padding:10px 14px;
  font-size:.88rem;color:#6b5510;margin-top:14px;
}

/* Content sections */
section.content{margin:26px 0}
section.content h2{font-size:1.35rem;color:var(--navy);margin-bottom:10px}
section.content p{margin-bottom:12px;color:#33424e}
section.content ul,section.content ol{margin:0 0 12px 22px;color:#33424e}
section.content li{margin-bottom:6px}
details.faq{
  background:var(--card);border:1px solid var(--line);border-radius:8px;
  padding:12px 16px;margin-bottom:10px;
}
details.faq summary{font-weight:700;cursor:pointer;color:var(--navy)}
details.faq p{margin-top:8px;color:#33424e}

/* State links */
.state-links{columns:2;column-gap:24px;font-size:.95rem}
@media(min-width:700px){.state-links{columns:3}}
.state-links a{display:block;padding:3px 0}

/* Footer */
footer.site{
  background:var(--navy);color:#c9d8e2;margin-top:40px;padding:26px 0;font-size:.92rem;
}
footer.site .links{display:flex;gap:18px;flex-wrap:wrap;margin-bottom:10px}
footer.site a{color:#e7f6ee}
footer.site .fine{color:#8fb0a2;font-size:.82rem}