:root {
  --white: #FFFFFF;
  --stone: #EEF1F3;
  --ink: #172532;
  --ink-soft: #4E5D6A;
  --summit: #1D4F73;
  --summit-deep: #143A56;
  --glacier: #D6E7EF;
  --horn: #B9852A;
  --rule: #D5DCE1;
  --error: #A3321F;
  --display: "Newsreader", Georgia, serif;
  --text: "Public Sans", "Segoe UI", system-ui, sans-serif;
}
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body { margin: 0; background: var(--white); color: var(--ink); font-family: var(--text); font-size: 1.0625rem; line-height: 1.6; }
a { color: var(--summit); text-underline-offset: 0.18em; text-decoration-thickness: 1px; }
a:hover { text-decoration-thickness: 2px; }
:focus-visible { outline: 3px solid var(--horn); outline-offset: 2px; }
h1, h2, h3 { font-family: var(--display); font-weight: 600; line-height: 1.1; margin: 0 0 0.55em; letter-spacing: -0.01em; }
h1 { font-size: clamp(2.4rem, 5.2vw, 3.9rem); font-weight: 500; letter-spacing: -0.025em; }
h2 { font-size: clamp(1.7rem, 3vw, 2.3rem); margin-top: 2em; font-weight: 500; }
h3 { font-size: 1.35rem; margin-top: 1.6em; }
p, ul, ol { margin: 0 0 1em; }
li { margin-bottom: 0.35em; }
.lede { font-size: 1.22rem; color: var(--ink-soft); max-width: 34rem; }
.wrap { max-width: 72rem; margin: 0 auto; padding-left: 1.25rem; padding-right: 1.25rem; }
.prose { max-width: 42rem; }
.skip { position: absolute; left: -999px; }
.skip:focus { left: 1rem; top: 1rem; background: var(--white); padding: 0.5rem 1rem; z-index: 10; }

/* Header */
.topbar { background: var(--ink); color: #C9D3DB; font-size: 0.85rem; }
.topbar .wrap { display: flex; justify-content: space-between; gap: 1rem; padding-top: 0.4rem; padding-bottom: 0.4rem; flex-wrap: wrap; }
.topbar a { color: #FFFFFF; text-decoration: none; }
.site-head .wrap { display: flex; align-items: center; justify-content: space-between; gap: 1rem; padding-top: 1rem; padding-bottom: 1rem; flex-wrap: wrap; }
.brand { display: flex; align-items: center; gap: 0.6rem; color: var(--ink); text-decoration: none; font-family: var(--display); font-size: 1.45rem; font-weight: 600; letter-spacing: -0.01em; }
.brand svg { width: 34px; height: 34px; }
.nav { display: flex; gap: 1.4rem; align-items: center; flex-wrap: wrap; font-size: 0.98rem; }
.nav a { color: var(--ink); text-decoration: none; }
.nav a:hover { color: var(--summit); }
.ridge { display: block; width: 100%; height: 22px; }

/* Buttons */
.btn { display: inline-block; font-family: var(--text); font-weight: 700; font-size: 1rem; padding: 0.8rem 1.4rem; border-radius: 4px; text-decoration: none; border: 2px solid transparent; cursor: pointer; }
.btn-primary { background: var(--summit); color: #FFFFFF; }
.btn-primary:hover { background: var(--summit-deep); }
.btn-quiet { border-color: var(--summit); color: var(--summit); background: transparent; }
.btn-quiet:hover { background: var(--glacier); }
.actions { display: flex; flex-wrap: wrap; gap: 0.75rem; }

/* Hero + calculator */
.hero { padding-top: 3rem; padding-bottom: 4rem; }
.hero-grid { display: grid; grid-template-columns: 1.1fr 1fr; gap: 3.5rem; align-items: center; }
.hero h1 { max-width: 13ch; }
.hero .note { font-size: 0.9rem; color: var(--ink-soft); margin-top: 1.2rem; }
.calc { background: var(--stone); border-radius: 6px; padding: 1.75rem; border-top: 4px solid var(--horn); }
.calc h2 { font-size: 1.5rem; margin: 0 0 1rem; }
.calc .grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0.9rem; }
.calc label { display: block; font-size: 0.88rem; font-weight: 600; margin-bottom: 0.25rem; }
.calc input, .calc select { width: 100%; font: inherit; height: 2.75rem; padding: 0 0.7rem; border: 1.5px solid #B5C2CC; border-radius: 4px; background: var(--white); color: var(--ink); }
.calc .result { margin-top: 1.2rem; padding-top: 1rem; border-top: 1px solid var(--rule); }
.calc .amount { font-family: var(--display); font-size: 2.8rem; line-height: 1; color: var(--summit-deep); }
.calc .breakdown { font-size: 0.9rem; color: var(--ink-soft); margin-top: 0.4rem; }

/* Sections */
.band { padding-top: 3.5rem; padding-bottom: 3.5rem; }
.band-stone { background: var(--stone); }
.band h2:first-child { margin-top: 0; }
.programs { display: grid; grid-template-columns: repeat(auto-fit, minmax(15rem, 1fr)); gap: 0; border-top: 1px solid var(--rule); }
.programs a { display: block; padding: 1.25rem 1.25rem 1.25rem 0; border-bottom: 1px solid var(--rule); text-decoration: none; color: var(--ink); }
.programs a strong { font-family: var(--display); font-size: 1.3rem; font-weight: 600; display: block; color: var(--summit-deep); }
.programs a span { font-size: 0.95rem; color: var(--ink-soft); }
.programs a:hover strong { text-decoration: underline; }
.steps { counter-reset: s; list-style: none; padding: 0; display: grid; grid-template-columns: repeat(auto-fit, minmax(14rem, 1fr)); gap: 2rem; }
.steps li { counter-increment: s; }
.steps li::before { content: counter(s); display: flex; align-items: center; justify-content: center; width: 2.2rem; height: 2.2rem; border-radius: 50%; background: var(--summit); color: #FFF; font-weight: 700; margin-bottom: 0.7rem; }
.steps h3 { margin: 0 0 0.35rem; font-size: 1.2rem; }

/* Pages */
.page-head { padding-top: 2.5rem; padding-bottom: 1rem; }
.crumbs { font-size: 0.88rem; color: var(--ink-soft); margin-bottom: 1rem; }
.crumbs a { color: var(--ink-soft); }
.page-grid { display: grid; grid-template-columns: minmax(0, 1fr) 22rem; gap: 3.5rem; padding-bottom: 4rem; align-items: start; }
.page-grid .prose > :first-child { margin-top: 0; }
.side { position: sticky; top: 1.5rem; }
.card { background: var(--stone); border-radius: 6px; padding: 1.5rem; border-top: 4px solid var(--horn); }
.card h2 { margin-top: 0; font-size: 1.55rem; }
.callout { background: var(--glacier); padding: 1rem 1.25rem; border-radius: 4px; margin: 1.5rem 0; }
.callout p:last-child { margin-bottom: 0; }
.facts { width: 100%; border-collapse: collapse; margin: 0.5rem 0 1.5rem; font-size: 0.98rem; }
.facts th, .facts td { text-align: left; padding: 0.65rem 0.75rem 0.65rem 0; border-bottom: 1px solid var(--rule); vertical-align: top; }
.facts th { width: 40%; font-weight: 600; }
.states-grid { columns: 4 11rem; column-gap: 2rem; list-style: none; padding: 0; }
.states-grid li { break-inside: avoid; margin-bottom: 0.45rem; }
.states-grid .lic { font-weight: 700; }
details { border-bottom: 1px solid var(--rule); padding: 0.9rem 0; }
details summary { font-weight: 600; cursor: pointer; font-size: 1.05rem; }
details[open] summary { margin-bottom: 0.6rem; }

/* Form */
.form .field { margin-bottom: 0.9rem; }
.form label { display: block; font-weight: 600; font-size: 0.9rem; margin-bottom: 0.25rem; }
.form input:not([type=checkbox]), .form select { width: 100%; font: inherit; font-size: 1rem; height: 2.8rem; padding: 0 0.75rem; border: 1.5px solid #B5C2CC; border-radius: 4px; background: var(--white); color: var(--ink); }
.form input:focus, .form select:focus { border-color: var(--summit); outline: 3px solid rgba(185, 133, 42, 0.45); outline-offset: 0; }
.form .row { display: grid; grid-template-columns: 1fr 1fr; gap: 0.75rem; }
.form .consent { display: flex; gap: 0.6rem; align-items: flex-start; font-weight: 400; font-size: 0.8rem; line-height: 1.45; color: var(--ink-soft); }
.form .consent input { width: 1.1rem; height: 1.1rem; margin-top: 0.15rem; flex: none; }
.form .btn { width: 100%; margin-top: 0.4rem; }
.form .hp { position: absolute; left: -9999px; }
.form .msg { font-size: 0.92rem; margin-top: 0.7rem; }
.form .msg.err { color: var(--error); }
.small { font-size: 0.85rem; color: var(--ink-soft); }

/* Footer */
.site-foot { background: var(--ink); color: #C9D3DB; padding-top: 3rem; padding-bottom: 2rem; font-size: 0.95rem; }
.site-foot a { color: #FFFFFF; }
.foot-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 2rem; }
.site-foot h2 { font-family: var(--text); font-size: 1rem; font-weight: 700; color: #FFF; margin: 0 0 0.8rem; }
.site-foot ul { list-style: none; padding: 0; margin: 0; }
.site-foot .legal { border-top: 1px solid #33475A; margin-top: 2rem; padding-top: 1.5rem; font-size: 0.8rem; line-height: 1.55; color: #AEBBC6; }
.eho { display: flex; gap: 0.75rem; align-items: center; margin-top: 1rem; }
.eho svg { width: 34px; height: 34px; flex: none; }

@media (max-width: 900px) {
  .hero-grid, .page-grid, .foot-grid { grid-template-columns: 1fr; }
  .side { position: static; }
  .hero { padding-top: 2rem; }
}
@media (max-width: 520px) {
  .form .row, .calc .grid { grid-template-columns: 1fr; }
  .nav { gap: 0.9rem; font-size: 0.92rem; }
}
@media (prefers-reduced-motion: reduce) { * { transition: none !important; } }
.nav .btn-primary { color: #FFFFFF; padding: 0.6rem 1.1rem; }
.nav .btn-primary:hover { color: #FFFFFF; }