:root{--green:#15803D;--green-d:#166534;--green-50:#EEF8F1;--navy:#1E3A8A;--navy-9:#0F1E4A;--sky:#DBEAFE;--sky-50:#F2F7FF;--ink:#14213A;--muted:#475569;--line:#E2E8F0;--white:#fff;--font:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}
body{margin:0;font-family:var(--font);font-size:17px;line-height:1.65;color:var(--ink);background:#fff;overflow-x:hidden}
img{max-width:100%;height:auto;display:block}a{color:var(--navy)}
h1,h2,h3{text-wrap:balance;color:var(--navy-9);line-height:1.2;letter-spacing:-.01em}
.answer-lead{text-wrap:balance}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.skip{position:absolute;left:12px;top:-80px;z-index:2147483001;background:var(--navy);color:#fff;padding:10px 16px;border-radius:8px;font-weight:700}.skip:focus{top:12px}
:focus-visible{outline:3px solid #2563EB;outline-offset:2px}
.site-header{position:sticky;top:0;z-index:2147483000;isolation:isolate;background:#fff;border-bottom:1px solid var(--line)}
.hdr{max-width:1240px;margin:0 auto;padding:0 24px;height:72px;display:flex;align-items:center;gap:28px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy-9);font-weight:800;font-size:20px;white-space:nowrap;letter-spacing:-.01em;min-height:44px}
.logo b{color:var(--green);font-weight:800}
.primary{display:flex;align-items:center;flex:1;min-width:0}
.nav-list{display:flex;list-style:none;margin:0;padding:0;gap:2px;align-items:center}
.nav-list>li>a,.dd-btn{display:flex;align-items:center;gap:6px;min-height:44px;padding:0 12px;font:inherit;font-size:16px;font-weight:600;color:var(--ink);text-decoration:none;background:none;border:0;border-radius:8px;cursor:pointer;white-space:nowrap}
.nav-list>li>a:hover,.dd-btn:hover,.has-dd.open>.dd-btn{background:var(--sky-50);color:var(--navy)}
.has-dd{position:relative}
.dd{position:absolute;top:100%;left:0;margin:0;padding:8px;list-style:none;background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:0 14px 34px rgba(15,30,74,.14);width:max-content;max-width:calc(100vw - 32px);visibility:hidden;opacity:0;transition:opacity .15s,visibility 0s linear .3s;z-index:2}
.dd::before{content:"";position:absolute;left:0;right:0;top:-14px;height:14px}
.has-dd:hover>.dd,.has-dd:focus-within>.dd,.has-dd.open>.dd{visibility:visible;opacity:1;transition-delay:0s}
.has-dd.closed>.dd{visibility:hidden;opacity:0}
.dd a{display:block;white-space:nowrap;padding:11px 14px;border-radius:8px;color:var(--ink);text-decoration:none;font-weight:500;font-size:15.5px;line-height:22px}
.dd a:hover{background:var(--sky-50);color:var(--navy)}
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:0 22px;border-radius:10px;font-weight:700;font-size:16px;text-decoration:none;border:2px solid transparent;cursor:pointer;line-height:1.2;text-align:center}
.btn-primary,.btn-apply{background:var(--green);color:#fff}.btn-primary:hover,.btn-apply:hover{background:var(--green-d)}
.btn-ghost{background:#fff;color:var(--navy);border-color:var(--navy)}.btn-ghost:hover{background:var(--sky-50)}
.btn-apply{margin-left:auto;min-height:44px;padding:0 26px}
.menu-btn{display:none;margin-left:auto;width:44px;height:44px;align-items:center;justify-content:center;background:none;border:1px solid var(--line);border-radius:10px;color:var(--navy-9);cursor:pointer}
.hero{display:grid;grid-template-columns:1fr 1fr;min-height:540px;background:var(--sky-50)}
.hero-text{display:flex;flex-direction:column;justify-content:center;align-items:center;padding:52px 40px}
.hero-text>*{width:100%;max-width:540px}
.hero h1{font-size:clamp(32px,3.3vw,46px);margin:6px 0 10px;font-weight:800}
.hero-media{position:relative;min-height:100%;overflow:hidden;background:var(--sky)}
.hero-media img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center 30%}
.hero-home{min-height:480px}.hero-home .hero-media img{object-position:50% 0%}
.crumbs ol{display:flex;flex-wrap:wrap;gap:6px;list-style:none;margin:0 0 4px;padding:0;font-size:14.5px;color:var(--muted)}
.crumbs li+li::before{content:"›";margin-right:6px;color:#94A3B8}
.crumbs a{color:var(--muted);text-decoration:none;display:inline-block;padding:4px 0}.crumbs a:hover{color:var(--navy);text-decoration:underline}
.updated,.byline{margin:0;font-size:14.5px;color:var(--muted)}.byline a{color:var(--navy);font-weight:600}
.hero-sub{font-size:18px;color:#334155;margin:14px 0 22px}
.hero-btns{display:flex;flex-wrap:wrap;gap:12px}
.chips{display:flex;flex-wrap:wrap;gap:8px 18px;list-style:none;margin:20px 0 0;padding:0;font-size:14.5px;font-weight:600;color:var(--navy-9)}
.chips li{display:flex;align-items:center;gap:7px}.chips li::before{content:"";width:16px;height:16px;border-radius:50%;background:var(--green) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16'%3E%3Cpath d='M4 8.2l2.6 2.5L12 5.4' fill='none' stroke='%23fff' stroke-width='2'/%3E%3C/svg%3E") center/16px no-repeat}
@media (max-width:900px){
.menu-btn{display:flex}
.primary{display:none;position:absolute;top:72px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);box-shadow:0 18px 30px rgba(15,30,74,.12);flex-direction:column;align-items:stretch;padding:12px 16px 20px;max-height:calc(100vh - 72px);overflow-y:auto}
.site-header.nav-open .primary{display:flex}
.nav-list{flex-direction:column;align-items:stretch}
.nav-list>li>a,.dd-btn{width:100%;justify-content:space-between;font-size:17px}
.dd{position:static;display:none;visibility:visible;opacity:1;transition:none;box-shadow:none;border:0;padding:0 0 6px 12px;width:auto;max-width:none}
.dd::before{display:none}
.has-dd.open>.dd{display:block}
.btn-apply{margin:12px 0 0;width:100%}
.hdr{padding:0 16px;gap:12px}
.hero{grid-template-columns:1fr;min-height:0}
.hero-media{order:-1;aspect-ratio:4/3;min-height:0}
.hero-text{padding:26px 16px 34px}
}

/* ---- layout ---- */
.wrap{max-width:1240px;margin:0 auto;padding-left:24px;padding-right:24px}
.layout{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:56px;padding-top:56px;padding-bottom:64px;align-items:start}
.narrow{max-width:860px;padding-top:48px;padding-bottom:64px}
.content{min-width:0}
.answer-lead{font-size:19px;line-height:1.6;color:var(--navy-9);background:var(--sky-50);border-left:4px solid var(--green);padding:18px 22px;border-radius:0 12px 12px 0;margin:0 0 28px}
.article-body h2{font-size:clamp(25px,2.4vw,30px);margin:52px 0 14px;scroll-margin-top:96px}
.article-body h3{font-size:21px;margin:30px 0 8px}
.article-body p,.article-body li{max-width:74ch}
.article-body ul,.article-body ol{padding-left:24px}
.article-body li{margin:6px 0}
.article-body a{text-underline-offset:3px}
.article-body strong{color:var(--navy-9)}
/* ---- toc ---- */
.toc{border:1px solid var(--line);border-radius:14px;padding:18px 22px;margin:0 0 8px;background:#fff}
.toc-title{margin:0 0 8px;font-weight:800;color:var(--navy-9)}
.toc ol{margin:0;padding-left:22px;columns:2;column-gap:32px;font-size:15.5px}
.toc li{break-inside:avoid;margin:0;padding:5px 0}
.toc a{display:block;text-decoration:none;line-height:1.5}.toc a:hover{text-decoration:underline}
/* ---- tables ---- */
.table-wrap{overflow-x:auto;margin:22px 0;border:1px solid var(--line);border-radius:12px;background:#fff}
table{width:100%;border-collapse:collapse;font-size:15.5px;font-variant-numeric:tabular-nums}
caption{caption-side:top;text-align:left;padding:12px 14px 0;font-weight:700;color:var(--navy-9)}
th,td{padding:12px 14px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
thead th{background:var(--navy);color:#fff;font-weight:700;white-space:nowrap}
tbody th{font-weight:700;color:var(--navy-9)}
tbody tr:nth-child(even) td,tbody tr:nth-child(even) th{background:#F7FAFE}
tbody tr:last-child td,tbody tr:last-child th{border-bottom:0}
/* ---- grids & cards ---- */
.grid{display:grid;gap:20px;margin:26px 0}
.g2{grid-template-columns:repeat(2,minmax(0,1fr))}.g3{grid-template-columns:repeat(3,minmax(0,1fr))}.g5{grid-template-columns:repeat(5,minmax(0,1fr));gap:14px}
.card{display:flex;flex-direction:column;border:1px solid var(--line);border-radius:14px;overflow:hidden;background:#fff;box-shadow:0 2px 6px rgba(15,30,74,.05);transition:box-shadow .2s,transform .2s}
.card:hover{box-shadow:0 12px 28px rgba(15,30,74,.12);transform:translateY(-2px)}
.card-media img{width:100%;aspect-ratio:4/3;object-fit:cover}
.card-body{padding:14px 16px 18px;display:flex;flex-direction:column;gap:6px;flex:1}
.card h3{font-size:18px;margin:0;line-height:1.3}
.card h3 a{color:var(--navy-9);text-decoration:none}.card h3 a:hover{color:var(--green);text-decoration:underline}
.card p{margin:0;font-size:15px;color:#334155;line-height:1.5}
.card-figure{font-weight:800;color:var(--green)!important;margin-top:auto!important;padding-top:4px}.card-note{font-size:13px!important;color:var(--muted)!important}
.card-kicker{font-size:12.5px!important;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--green)!important}
.cards-amt .card h3{font-size:16.5px}.cards-amt .card p{font-size:14px}.cards-amt .card-body{padding:12px 12px 14px}
.term-card{border:1px solid var(--line);border-radius:14px;padding:20px;background:#fff;display:flex;flex-direction:column;gap:4px}
.term-card p{margin:0}
.term-n{font-weight:700;color:var(--muted);text-transform:uppercase;letter-spacing:.06em;font-size:13px}
.term-pay{font-size:30px;font-weight:800;color:var(--navy-9);font-variant-numeric:tabular-nums}.term-pay span{font-size:16px;font-weight:600;color:var(--muted)}
.term-meta{font-weight:600;color:var(--green)}
.term-est{font-size:13.5px;color:var(--muted)}
.term-link{margin-top:8px;font-weight:700;font-size:15px;display:inline-block;padding:6px 0}
/* ---- figure ---- */
.body-figure{margin:34px auto;max-width:420px}
.body-img{width:100%;border-radius:16px;box-shadow:0 12px 32px rgba(15,30,74,.16)}
/* ---- blocks ---- */
.faq-list{display:flex;flex-direction:column;gap:14px;margin:18px 0}
.faq-item{border:1px solid var(--line);border-radius:12px;padding:16px 20px;background:#fff}
.faq-item h3{font-size:18px;margin:0 0 6px}.faq-item p{margin:0}
.steps{list-style:none;padding:0!important;margin:22px 0;display:flex;flex-direction:column;gap:14px}
.steps li{display:flex;gap:16px;align-items:flex-start;border:1px solid var(--line);border-radius:14px;padding:16px 18px;background:#fff;margin:0}
.step-n{flex:0 0 36px;height:36px;border-radius:50%;background:var(--green);color:#fff;font-weight:800;display:flex;align-items:center;justify-content:center}
.steps p{margin:0}.step-t{font-weight:700;color:var(--navy-9)}
.verdict{border:2px solid var(--green);background:var(--green-50);border-radius:14px;padding:16px 20px;margin:0 0 26px}
.verdict p{margin:0}.verdict-label{font-weight:800;color:var(--green-d);text-transform:uppercase;font-size:13px;letter-spacing:.08em;margin-bottom:4px!important}
.glossary{margin:12px 0}
.term{padding:16px 0;border-bottom:1px solid var(--line);scroll-margin-top:96px}
.term:target{background:var(--green-50);padding-left:12px;padding-right:12px;border-radius:10px}
.term dt{font-weight:800;color:var(--navy-9);font-size:18px}.term dd{margin:4px 0 0}
/* ---- calculator ---- */
.calc{border:1px solid var(--line);border-radius:16px;padding:24px;background:#fff;box-shadow:0 8px 28px rgba(30,58,138,.10);margin:24px 0}
.calc-inputs{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:18px}
.field label{display:block;font-weight:700;color:var(--navy-9);margin-bottom:6px;font-size:15px}
.field input[type=number],.field select{width:100%;min-height:46px;border:1px solid #CBD5E1;border-radius:10px;padding:0 12px;font:inherit;font-size:16px;background:#fff;color:var(--ink)}
.range-row{display:flex;gap:10px;align-items:center}.range-row input[type=range]{flex:1;accent-color:var(--green);min-height:44px}.range-row input[type=number]{width:110px;flex:0 0 110px}
.calc-out{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px;margin:22px 0 10px;background:var(--sky-50);border-radius:12px;padding:18px}
.calc-out p{margin:0}.out-label{font-size:14px;color:var(--muted);font-weight:600}
.out-big{font-size:32px;font-weight:800;color:var(--green-d);font-variant-numeric:tabular-nums}.out-mid{font-size:22px;font-weight:800;color:var(--navy-9);font-variant-numeric:tabular-nums}
.calc-note{font-size:14px;color:var(--muted);margin:0 0 6px}
/* ---- sidebar ---- */
.sidebar{display:flex;flex-direction:column;gap:18px;font-size:15.5px;line-height:1.55}
.box{border:1px solid var(--line);border-radius:14px;padding:18px 20px;background:#fff}
.box p{margin:0 0 10px}.box p:last-child{margin-bottom:0}
.sb-title{font-weight:800;color:var(--navy-9);font-size:17px;margin:0 0 10px!important}
.box-cta{background:var(--navy);border-color:var(--navy);color:#E8EEFB}.box-cta .sb-title{color:#fff}
.box-sticky{position:sticky;top:96px}
.btn-block{display:flex;width:100%;margin-top:12px}
.sb-links,.sb-list{list-style:none;margin:0;padding:0}
.sb-links li{border-top:1px solid var(--line)}.sb-links li:first-child{border-top:0}
.sb-links a{display:block;padding:9px 0;text-decoration:none;font-weight:600;line-height:1.35}.sb-links a:hover{text-decoration:underline}
.sb-list li{position:relative;padding:5px 0 5px 20px}.sb-list li::before{content:"";position:absolute;left:2px;top:13px;width:8px;height:8px;border-radius:50%;background:var(--green)}
.sb-ol{margin:0;padding-left:20px}.sb-ol li{padding:4px 0}
.sb-table{font-size:14.5px;border:1px solid var(--line);border-radius:10px;overflow:hidden;margin-bottom:8px}
.sb-table th,.sb-table td{padding:8px 10px}
.sb-small{font-size:13.5px;color:var(--muted)}
.box-cta .sb-small{color:#C7D2EA}
.sb-nap{font-weight:700;color:var(--navy-9)}
.sb-qa{margin:0}.sb-qa dt{font-weight:700;color:var(--navy-9);margin-top:8px}.sb-qa dt:first-child{margin-top:0}.sb-qa dd{margin:2px 0 0}
.sb-more{display:inline-block;margin-top:10px;font-weight:700;padding:4px 0}
/* ---- form ---- */
.form-section{padding:40px 24px 8px;background:linear-gradient(var(--sky-50),#fff)}
.form-card{position:relative;max-width:1020px;margin:0 auto;background:#fff;border-radius:16px;box-shadow:0 8px 28px rgba(30,58,138,.14);padding:30px 32px 32px;border:1px solid #E6ECF5}
.form-card::before{content:"";position:absolute;top:0;left:0;right:0;height:5px;border-radius:16px 16px 0 0;background:linear-gradient(90deg,var(--green),var(--navy))}
.form-title{font-size:26px;font-weight:800;color:var(--navy-9);margin:0;text-align:center;text-wrap:balance}
.form-trust{text-align:center;color:var(--muted);margin:6px 0 18px;font-size:15.5px}
.form-wrap{position:relative;z-index:1;isolation:isolate;min-height:220px}
/* ---- trust page bits ---- */
.nap-card{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;border:1px solid var(--line);border-radius:14px;padding:20px;margin:0 0 26px;background:var(--sky-50)}
.nap-card p{margin:0}.nap-l{font-size:13px;text-transform:uppercase;letter-spacing:.06em;font-weight:700;color:var(--muted)}
.sitemap-groups{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:8px 40px;margin-top:20px}
.sitemap-groups h2{font-size:22px;margin:24px 0 8px}
.sitemap-groups ul{padding-left:20px;margin:0}.sitemap-groups a{display:inline-block;padding:5px 0}
/* ---- blog extras ---- */
.author{border:1px solid var(--line);background:var(--sky-50);border-radius:14px;padding:20px 22px;margin:48px 0 20px}
.author p{margin:0}.author-name{font-weight:800;color:var(--navy-9);font-size:18px}.author-role{color:var(--green-d);font-weight:600;margin-bottom:6px!important}
.share{display:flex;align-items:center;gap:12px;flex-wrap:wrap;margin:0 0 36px}
.share-label{margin:0;font-weight:700;color:var(--navy-9)}
.share ul{display:flex;gap:8px;list-style:none;margin:0;padding:0;flex-wrap:wrap}
.share a{display:inline-flex;align-items:center;min-height:44px;padding:0 16px;border:1px solid var(--line);border-radius:999px;text-decoration:none;font-weight:600;font-size:15px}
.share a:hover{background:var(--sky-50)}
.related h2{font-size:26px;margin:0 0 4px}
/* ---- CTA zone ---- */
.cta-zone{background:var(--navy-9);color:#DCE4F3}
.cta-inner{max-width:1240px;margin:0 auto;display:grid;grid-template-columns:1.05fr .95fr;gap:48px;align-items:center;padding:60px 24px}
.cta-title{font-size:clamp(26px,2.6vw,34px);font-weight:800;color:#fff;margin:0 0 12px;line-height:1.2;text-wrap:balance}
.cta-text p{max-width:56ch}
.cta-btns{display:flex;gap:12px;flex-wrap:wrap;margin-top:22px}
.btn-ghost-light{border-color:#fff;color:#fff}.btn-ghost-light:hover{background:rgba(255,255,255,.1)}
.cta-media img{width:100%;border-radius:16px;aspect-ratio:16/10;object-fit:cover}
/* ---- footer ---- */
.site-footer{background:#0A1530;color:#C9D3E6;font-size:15px;padding:56px 0 28px}
.site-footer a{color:#E6ECF7;text-decoration:none}.site-footer a:hover{text-decoration:underline}
.fgrid{display:grid;grid-template-columns:minmax(0,1.5fr) minmax(0,4fr);gap:32px}.flinks{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:32px}
.logo-foot{color:#fff}.logo-foot b{color:#4ADE80}
.logo-foot .logo-mark{background:#fff;border-radius:8px;padding:3px}
.fbrand p{margin:12px 0}
.nap{font-style:normal;display:flex;flex-direction:column;gap:2px}
.nap a{display:inline-block;padding:4px 0}
.fhead{color:#fff;font-weight:800;margin:6px 0 10px;font-size:16px}
.fcol ul{list-style:none;margin:0;padding:0}.fcol li a{display:inline-block;padding:5px 0}
.disclosure{border-top:1px solid #22325A;margin-top:36px;padding-top:22px;font-size:13.5px;line-height:1.6;color:#AEBBD3}
.disclosure p{margin:0;max-width:none}.disclosure strong{color:#fff}
.fbottom{display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap;border-top:1px solid #22325A;margin-top:22px;padding-top:18px;font-size:14px}
.fbottom p{margin:0}
/* ---- to top ---- */
.to-top{position:fixed;right:20px;bottom:20px;width:48px;height:48px;border-radius:50%;border:0;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;cursor:pointer;box-shadow:0 8px 20px rgba(15,30,74,.25);opacity:0;visibility:hidden;transition:opacity .2s,visibility 0s linear .2s;z-index:50}
.to-top.show{opacity:1;visibility:visible;transition-delay:0s}
/* ---- responsive ---- */
@media (max-width:1020px){
.layout{grid-template-columns:minmax(0,1fr);gap:40px}
.box-x{display:none}
.box-sticky{position:static}
.fgrid{grid-template-columns:minmax(0,1fr)}
.cta-inner{grid-template-columns:1fr;gap:28px}
}
@media (max-width:760px){
.wrap{padding-left:16px;padding-right:16px}
.layout{padding-top:32px}
.g2,.g3,.g5{grid-template-columns:minmax(0,1fr)}
.cards-amt .card{flex-direction:row}.cards-amt .card-media{flex:0 0 120px}.cards-amt .card-media img{height:100%;aspect-ratio:auto}
.toc ol{columns:1}
.calc-inputs,.calc-out{grid-template-columns:minmax(0,1fr)}
.nap-card,.sitemap-groups{grid-template-columns:minmax(0,1fr)}
.flinks{grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}
.fcol li a,.site-footer .nap a{padding:12px 0}.fbottom a{display:inline-block;padding:12px 2px;line-height:20px}.toc li{padding:0}.toc a{padding:11px 0}.sb-links a{padding:12px 0}.crumbs a{padding:12px 0}.sb-more,.term-link{padding:12px 0}.answer-lead{text-wrap:pretty}
.form-section{padding:28px 12px 4px}.form-card{padding:24px 14px 20px;border-radius:12px}.form-card::before{border-radius:12px 12px 0 0}
.answer-lead{font-size:17.5px;padding:16px 18px}
.cta-inner{padding:44px 16px}
.article-body h2{margin-top:44px}
body{font-size:16.5px}
}