@font-face{font-family:"Lora";src:url(/fonts/lora-latin.woff2) format("woff2");font-weight:500 700;font-style:normal;font-display:swap}
@font-face{font-family:"Inter";src:url(/fonts/inter-latin.woff2) format("woff2");font-weight:400 700;font-style:normal;font-display:swap}
:root{--violet:#4C3AA3;--violet-d:#3B2C86;--navy:#030143;--deep:#2D2459;--accent:#8068C7;--tint:#F2EFFA;--tint2:#FBFAFF;--muted:#5E5C70;--line:#E4E5EA;--ok:#1F6B4A;--warn:#8A4B00;--r:10px;--sh:0 1px 2px rgba(3,1,67,.06),0 8px 24px rgba(3,1,67,.06);--serif:"Lora",Georgia,"Times New Roman",serif;--sans:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;font-family:var(--sans);font-size:17px;line-height:1.6;color:var(--navy);background:#fff}
img,svg{max-width:100%;height:auto}
a{color:var(--violet);text-underline-offset:2px}
a:hover{color:var(--violet-d)}
:focus-visible{outline:3px solid var(--accent);outline-offset:2px;border-radius:4px}
h1,h2,h3{font-family:var(--serif);color:var(--navy);line-height:1.2;font-weight:600;margin:0 0 .5em}
h1{font-size:clamp(2rem,5.2vw,3.1rem);letter-spacing:-.01em}
h2{font-size:clamp(1.5rem,3.4vw,2.05rem)}
h3{font-size:1.2rem}
p{margin:0 0 1em}
:root{--gut-l:max(20px,env(safe-area-inset-left));--gut-r:max(20px,env(safe-area-inset-right))}
.wrap{max-width:1120px;margin:0 auto;padding-left:var(--gut-l);padding-right:var(--gut-r);box-sizing:border-box}
.narrow{max-width:760px}
.skip{position:absolute;left:-999px;top:0;background:#fff;padding:8px 12px;z-index:10}
.skip:focus{left:8px;top:8px}
header.site{border-bottom:1px solid var(--line);background:#fff;position:sticky;top:0;z-index:5}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;min-height:64px;gap:12px}
.brand{font-family:var(--serif);font-weight:700;font-size:1.25rem;color:var(--navy);text-decoration:none;display:flex;align-items:center;gap:8px}
.brand svg{width:28px;height:28px}
.brand b{color:var(--violet);font-weight:700}
nav.main ul{list-style:none;display:flex;gap:20px;margin:0;padding:0;align-items:center}
nav.main a{text-decoration:none;color:var(--navy);font-weight:500;font-size:.97rem}
nav.main a:hover,nav.main a[aria-current=page]{color:var(--violet)}
nav.main .hide-sm{display:none}
@media(min-width:760px){nav.main .hide-sm{display:inline}}
.btn{display:inline-block;background:var(--violet);color:#fff;border:0;border-radius:999px;padding:14px 26px;font:600 1rem/1.2 var(--sans);text-decoration:none;cursor:pointer;text-align:center;transition:background .15s}
.btn:hover{background:var(--violet-d);color:#fff}
.btn.sm{padding:9px 16px;font-size:.92rem}
.btn.ghost{background:#fff;color:var(--violet);border:1.5px solid var(--violet)}
.btn.ghost:hover{background:var(--tint)}
.quiet{display:inline-block;margin-top:14px;color:var(--deep);font-size:.98rem}
section{padding:56px 0}
section.tint{background:var(--tint2);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.eyebrow{font:600 .8rem/1.2 var(--sans);letter-spacing:.08em;text-transform:uppercase;color:var(--violet);margin-bottom:10px}
.lead{font-size:1.15rem;color:var(--deep);max-width:62ch}
.hero{padding:56px 0 48px;background:linear-gradient(180deg,var(--tint) 0%,#fff 100%)}
.hero .grid{display:grid;gap:36px;align-items:center}
@media(min-width:900px){.hero .grid{grid-template-columns:1.15fr .85fr}}
.fine{font-size:.88rem;color:var(--muted)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--sh);padding:22px}
.cards{display:grid;gap:16px;grid-template-columns:1fr}
@media(min-width:620px){.cards{grid-template-columns:1fr 1fr}}
@media(min-width:980px){.cards.three{grid-template-columns:repeat(3,1fr)}}
a.card{text-decoration:none;color:inherit;display:block;transition:border-color .15s,transform .15s}
a.card:hover{border-color:var(--accent);transform:translateY(-1px)}
a.card h3{color:var(--navy);margin-bottom:6px}
a.card p{color:var(--muted);margin:0;font-size:.97rem}
.ico{width:40px;height:40px;border-radius:10px;background:var(--tint);display:grid;place-items:center;margin-bottom:12px}
.ico svg{width:22px;height:22px;stroke:var(--violet);fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.more{font-weight:600;color:var(--violet);font-size:.95rem}
.steps{counter-reset:s;display:grid;gap:16px;list-style:none;padding:0;margin:0}
@media(min-width:820px){.steps{grid-template-columns:repeat(3,1fr)}}
.steps li{counter-increment:s;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px}
.steps li::before{content:counter(s);display:grid;place-items:center;width:34px;height:34px;border-radius:999px;background:var(--violet);color:#fff;font-weight:700;margin-bottom:10px}
.checks{list-style:none;padding:0;margin:0 0 1em}
.checks li{padding-left:30px;position:relative;margin-bottom:10px}
.checks li::before{content:"";position:absolute;left:0;top:5px;width:18px;height:18px;border-radius:5px;background:var(--tint) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%234C3AA3' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M20 6 9 17l-5-5'/%3E%3C/svg%3E") center/12px no-repeat}
.no li::before{background:#FFF1F0 url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23A3261B' stroke-width='3' stroke-linecap='round'%3E%3Cpath d='M18 6 6 18M6 6l12 12'/%3E%3C/svg%3E") center/11px no-repeat}
.two{display:grid;gap:28px}
@media(min-width:860px){.two{grid-template-columns:1fr 1fr}}
details{border:1px solid var(--line);border-radius:var(--r);padding:0 18px;margin-bottom:10px;background:#fff}
details summary{cursor:pointer;font-weight:600;padding:16px 0;list-style:none;position:relative;padding-right:28px}
details summary::-webkit-details-marker{display:none}
details summary::after{content:"+";position:absolute;right:0;top:12px;font-size:1.4rem;color:var(--violet)}
details[open] summary::after{content:"–"}
details p{color:var(--deep)}
.cta-band{background:var(--deep);color:#fff;border-radius:16px;padding:40px 28px;text-align:center}
.cta-band h2{color:#fff}
.cta-band p{color:#DCD6F5}
.cta-band .btn{background:#fff;color:var(--deep)}
.cta-band .btn:hover{background:var(--tint)}
.soft-cta{border:1px solid var(--line);border-left:4px solid var(--violet);border-radius:var(--r);padding:18px 20px;background:var(--tint2);margin:28px 0}
.soft-cta p{margin:0 0 8px}
footer.site{background:var(--navy);color:#CFCBE6;padding:44px 0 28px;font-size:.93rem;margin-top:24px}
footer.site a{color:#fff}
footer.site .cols{display:grid;gap:24px}
@media(min-width:760px){footer.site .cols{grid-template-columns:1.4fr 1fr 1fr 1fr}}
footer.site h3{font-family:var(--sans);font-size:.85rem;letter-spacing:.06em;text-transform:uppercase;color:#fff}
footer.site ul{list-style:none;padding:0;margin:0}
footer.site li{margin-bottom:8px}
footer.site .legal{border-top:1px solid #2A2865;margin-top:28px;padding-top:18px;color:#ADA8CF}
.crumbs{font-size:.88rem;color:var(--muted);padding-top:18px}
.crumbs ol{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:4px 6px}.crumbs li{white-space:nowrap;min-width:0}.crumbs li[aria-current]{white-space:normal}
.crumbs li:not(:last-child)::after{content:"/";margin-left:6px;color:#B5B2C9}
.crumbs a{color:var(--muted)}
article.guide{padding-top:12px;padding-bottom:40px}
article.guide h2{margin-top:1.6em}
article.guide .answer{font-size:1.1rem;background:var(--tint2);border:1px solid var(--line);border-radius:var(--r);padding:18px 20px;margin:18px 0 8px}
.disclaimer{font-size:.88rem;color:var(--muted);border-top:1px solid var(--line);padding-top:14px;margin-top:32px}
.toc{border:1px solid var(--line);border-radius:var(--r);padding:14px 18px;margin:18px 0}
.toc ol{margin:6px 0 0;padding-left:20px}
table{border-collapse:collapse;width:100%;font-size:.95rem;margin:12px 0 18px}
th,td{border:1px solid var(--line);padding:9px 11px;text-align:left;vertical-align:top}
th{background:var(--tint)}
.tablewrap{overflow-x:auto}
/* forms + estimator */
label{display:block;font-weight:600;margin:0 0 6px;font-size:.96rem}
.hint{display:block;font-weight:400;color:var(--muted);font-size:.86rem}
input,select,textarea{width:100%;font:inherit;font-size:16px;padding:12px 13px;border:1.5px solid #CFCDDB;border-radius:8px;background:#fff;color:var(--navy)}
input:focus,select:focus,textarea:focus{border-color:var(--violet);outline:none;box-shadow:0 0 0 3px rgba(76,58,163,.18)}
.field{margin-bottom:16px}
.row2{display:grid;gap:0 14px}
@media(min-width:560px){.row2{grid-template-columns:1fr 1fr}}
.consent{display:flex;gap:10px;align-items:flex-start;background:var(--tint2);border:1px solid var(--line);border-radius:8px;padding:12px}
.consent input{width:20px;height:20px;margin-top:3px;flex:0 0 auto}
.consent label{font-weight:400;margin:0;font-size:.93rem}
.hp{position:absolute!important;left:-10000px!important;width:1px;height:1px;overflow:hidden}
.err{color:#A3261B;font-size:.92rem;margin-top:8px}
.notice{background:#FFF8E6;border:1px solid #F0D9A0;border-radius:8px;padding:12px 14px;color:#5C3B00}
.progress{display:flex;gap:8px;margin-bottom:18px;font-size:.86rem;color:var(--muted)}
.progress span{flex:1;border-top:4px solid var(--line);padding-top:6px}
.progress span.on{border-color:var(--violet);color:var(--navy);font-weight:600}
.est{display:grid;gap:24px}
@media(min-width:900px){.est{grid-template-columns:1fr 1fr}}
.result{background:var(--deep);color:#fff;border-radius:var(--r);padding:24px}
.result h3{color:#fff;font-family:var(--sans);font-size:.85rem;letter-spacing:.06em;text-transform:uppercase}
.result .big{font-family:var(--serif);font-size:2.3rem;line-height:1.1;margin:4px 0 6px}
.result .sub{color:#DCD6F5;font-size:.95rem}
.result table{color:#fff;font-size:.9rem}
.result th{background:#3A3070;color:#fff;border-color:#4A4088}
.result td{border-color:#4A4088}
.result .btn{background:#fff;color:var(--deep);margin-top:10px}
.bar{height:14px;background:#4A4088;border-radius:999px;overflow:hidden;margin:10px 0 4px}
.bar i{display:block;height:100%;background:#B9A9F0;border-radius:999px;width:0}
.hero-card{padding:22px}
.hero-card .lbl{font-size:.82rem;color:var(--muted);text-transform:uppercase;letter-spacing:.06em}
.hero-card ul{margin:10px 0 0;padding:0;list-style:none}
.hero-card li{display:flex;justify-content:space-between;border-bottom:1px dashed var(--line);padding:9px 0;font-size:.97rem}
.hero-card li:last-child{border:0}
.pill{display:inline-block;background:var(--tint);color:var(--deep);border-radius:999px;padding:3px 10px;font-size:.82rem;font-weight:600}
.hub-sec{margin-bottom:40px}
.hub-sec ul.links{list-style:none;padding:0;margin:0;display:grid;gap:10px}
@media(min-width:760px){.hub-sec ul.links{grid-template-columns:1fr 1fr}}
.hub-sec ul.links a{display:block;border:1px solid var(--line);border-radius:var(--r);padding:14px 16px;text-decoration:none;background:#fff}
.hub-sec ul.links a:hover{border-color:var(--accent)}
.hub-sec ul.links span{display:block;color:var(--muted);font-size:.92rem}
.print-only{display:none}
@media print{header.site,footer.site,.no-print{display:none}.print-only{display:block}}
.brand svg{flex:0 0 28px}
.btn.sm{white-space:nowrap}
nav.main .hide-xs{display:none}
@media(min-width:480px){nav.main .hide-xs{display:inline}}
@media(max-width:479px){nav.main ul{gap:12px}.brand{font-size:1.1rem}header.site .wrap{padding-left:var(--gut-l);padding-right:var(--gut-r)}}
nav.main a.btn{background:#fff;color:var(--violet);border:1.5px solid var(--violet)}
nav.main a.btn:hover{background:var(--tint);color:var(--violet-d)}
@media(max-width:479px){.brand{font-size:1rem;gap:6px}.brand svg{flex-basis:24px;width:24px;height:24px}nav.main ul{gap:10px}nav.main a{font-size:.9rem}nav.main a.btn{padding:8px 12px}}
nav.main a{white-space:nowrap}
.glossary{margin:20px 0}.glossary dt{font-family:Lora,Georgia,serif;font-weight:600;font-size:1.12rem;color:#030143;margin-top:18px;scroll-margin-top:80px}.glossary dd{margin:4px 0 0;color:#2a2940}.glossary dd a{white-space:nowrap}

h1,h2,h3{overflow-wrap:break-word}main img,main svg{max-width:100%}