:root{--primary:#2563eb;--success:#10b981;--dark:#0f172a;--muted:#64748b;--bg:#f8fafc;--card:#fff;--border:#e2e8f0;--soft:#eff6ff;--radius:20px}*{box-sizing:border-box}body{margin:0;font-family:Arial,Helvetica,sans-serif;background:var(--bg);color:var(--dark);line-height:1.65}.nav{background:var(--card);border-bottom:1px solid var(--border);padding:14px 5%;display:flex;align-items:center;justify-content:space-between;gap:14px;flex-wrap:wrap;position:sticky;top:0;z-index:20}.logo{font-weight:800;font-size:1.25rem;color:var(--primary);text-decoration:none}.nav-links{display:flex;gap:12px;flex-wrap:wrap}.nav-links a{color:var(--muted);text-decoration:none;font-weight:700;font-size:.9rem;padding:7px 8px;border-radius:10px}.nav-links a:hover{color:var(--primary);background:var(--soft)}.hero{background:linear-gradient(180deg,#fff,var(--soft));padding:58px 5% 40px;border-bottom:1px solid var(--border)}.wrap{max-width:1120px;margin:0 auto}.hero h1{font-size:clamp(2rem,5vw,3.6rem);line-height:1.05;margin:0 0 16px;letter-spacing:-.04em}.hero p{font-size:1.12rem;color:var(--muted);max-width:830px;margin:0 0 18px}.badges{display:flex;gap:10px;flex-wrap:wrap}.badge{background:#fff;border:1px solid var(--border);border-radius:999px;padding:8px 12px;font-weight:700;color:var(--muted);font-size:.85rem}.grid{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:28px;align-items:start;padding:34px 5%}.card{background:var(--card);border:1px solid var(--border);border-radius:var(--radius);padding:26px;margin-bottom:22px;box-shadow:0 10px 25px rgba(15,23,42,.04)}h2{font-size:1.55rem;line-height:1.2;margin:0 0 14px;color:var(--primary)}h3{font-size:1.15rem;margin:24px 0 8px}p,li{color:var(--muted)}a{color:var(--primary);font-weight:700}.cta{display:inline-block;background:var(--primary);color:#fff;text-decoration:none;border-radius:14px;padding:13px 18px;font-weight:800;margin:8px 8px 8px 0}.cta.secondary{background:#0f172a}.table-wrap{overflow:auto;border:1px solid var(--border);border-radius:16px}table{width:100%;border-collapse:collapse;background:#fff}th,td{padding:13px 15px;border-bottom:1px solid var(--border);text-align:left}th{background:#f1f5f9;color:#334155;font-size:.88rem}tr:last-child td{border-bottom:0}.answer{border-left:5px solid var(--success);background:#f0fdf4}.note{border-left:5px solid var(--primary);background:#eff6ff}.sidebar{position:sticky;top:82px}.side-list{list-style:none;margin:0;padding:0}.side-list li{border-bottom:1px solid var(--border);padding:11px 0}.side-list li:last-child{border-bottom:0}.source-list{display:flex;flex-wrap:wrap;gap:10px;margin-top:10px}.source-list a{font-size:.84rem;border:1px solid var(--border);border-radius:999px;padding:7px 10px;text-decoration:none;background:#fff}.footer{border-top:1px solid var(--border);padding:30px 5%;text-align:center;color:var(--muted);font-size:.9rem}.faq details{border-bottom:1px solid var(--border);padding:14px 0}.faq summary{cursor:pointer;font-weight:800;color:var(--primary)}.state-links{columns:3;column-gap:22px}.state-links a{display:block;break-inside:avoid;text-decoration:none;margin:0 0 8px}.breadcrumbs{font-size:.86rem;margin-bottom:16px;color:var(--muted)}.breadcrumbs a{text-decoration:none}.metric{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin:18px 0}.metric div{border:1px solid var(--border);border-radius:16px;background:#fff;padding:15px}.metric strong{display:block;color:var(--dark);font-size:1.25rem}.metric span{color:var(--muted);font-size:.86rem}.disclaimer{font-size:.86rem;color:var(--muted);border-left:4px solid var(--border);padding:12px 16px;background:#fff;border-radius:10px}.internal-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(210px,1fr));gap:12px}.internal-grid a{display:block;border:1px solid var(--border);border-radius:14px;padding:14px;text-decoration:none;background:#fff}@media(max-width:850px){.grid{grid-template-columns:1fr;padding:24px 4%}.sidebar{position:static}.state-links{columns:2}.metric{grid-template-columns:1fr}.hero{padding:42px 4%}.nav{justify-content:center}.logo{width:100%;text-align:center}.nav-links{justify-content:center}}@media(max-width:480px){.state-links{columns:1}.card{padding:20px}.hero h1{font-size:2rem}}


/* Premium UX update - compact header, modern cards, interactive estimator */
:root{--primary:#2563eb;--primary2:#7c3aed;--success:#10b981;--warning:#f59e0b;--ink:#0f172a;--muted:#64748b;--bg:#f7f9fc;--card:#fff;--border:#e5e7eb;--soft:#eff6ff;--ring:rgba(37,99,235,.18);--shadow:0 22px 70px rgba(15,23,42,.10);--radius:22px}
html{scroll-behavior:smooth}body{font-family:Inter,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;background:radial-gradient(circle at top left,rgba(37,99,235,.12),transparent 30%),radial-gradient(circle at 85% 5%,rgba(124,58,237,.10),transparent 28%),var(--bg);color:var(--ink)}
.scroll-progress{position:fixed;left:0;right:0;top:0;height:3px;background:transparent;z-index:9999}.scroll-progress span{display:block;height:100%;width:0;background:linear-gradient(90deg,var(--primary),var(--primary2),var(--success));box-shadow:0 0 18px rgba(37,99,235,.45)}
.nav{padding:8px 5%;background:rgba(255,255,255,.82);backdrop-filter:blur(18px);-webkit-backdrop-filter:blur(18px);box-shadow:0 1px 0 rgba(226,232,240,.8);transition:box-shadow .2s ease,background .2s ease}.nav.scrolled{box-shadow:0 14px 40px rgba(15,23,42,.10);background:rgba(255,255,255,.94)}.logo{font-size:1.05rem;letter-spacing:-.03em;display:inline-flex;align-items:center;gap:8px}.logo:before{content:"";width:20px;height:20px;border-radius:7px;background:linear-gradient(135deg,var(--primary),var(--success));box-shadow:0 8px 20px rgba(37,99,235,.22)}.nav-links{gap:7px}.nav-links a{font-size:.78rem;padding:6px 9px;border:1px solid transparent}.nav-links a:hover{border-color:rgba(37,99,235,.16);background:rgba(37,99,235,.08);transform:translateY(-1px)}
.hero{padding:34px 5% 28px;background:linear-gradient(135deg,#fff 0%,#eef6ff 48%,#f6f2ff 100%);position:relative;overflow:hidden}.hero:after{content:"";position:absolute;right:-140px;top:-140px;width:330px;height:330px;border-radius:999px;background:radial-gradient(circle,rgba(37,99,235,.16),transparent 66%)}.hero .wrap{position:relative;z-index:1}.hero h1{max-width:960px;font-size:clamp(1.7rem,4.2vw,3.05rem);letter-spacing:-.055em}.hero p{font-size:1.02rem;max-width:760px}.badges{margin-top:14px}.badge{background:rgba(255,255,255,.78);backdrop-filter:blur(10px);box-shadow:0 8px 24px rgba(15,23,42,.05);border-color:rgba(226,232,240,.85);padding:7px 11px;font-size:.78rem}
.grid{padding-top:26px}.card{border:1px solid rgba(226,232,240,.9);box-shadow:0 18px 55px rgba(15,23,42,.07);transition:transform .22s ease,box-shadow .22s ease,border-color .22s ease}.card:hover{transform:translateY(-2px);box-shadow:var(--shadow);border-color:rgba(37,99,235,.22)}.answer{background:linear-gradient(135deg,#f0fdf4 0%,#fff 68%);border-left:0;border-top:5px solid var(--success)}.note{border-left:0;border-top:5px solid var(--primary);background:linear-gradient(135deg,#eff6ff 0%,#fff 72%)}h2{letter-spacing:-.03em}.cta{box-shadow:0 14px 30px rgba(37,99,235,.24);transition:transform .2s ease,box-shadow .2s ease}.cta:hover{transform:translateY(-2px);box-shadow:0 20px 42px rgba(37,99,235,.32)}.cta.secondary{background:linear-gradient(135deg,#111827,#334155)}.internal-grid a,.source-list a,.side-list a{transition:transform .18s ease,background .18s ease,border-color .18s ease}.internal-grid a:hover,.source-list a:hover{transform:translateY(-2px);border-color:rgba(37,99,235,.28);background:#f8fbff;text-decoration:none}.metric div{background:linear-gradient(180deg,#fff,#f8fbff);box-shadow:0 12px 28px rgba(15,23,42,.05)}.metric strong{font-size:1.35rem}.sidebar{top:62px}.table-wrap{box-shadow:inset 0 1px 0 rgba(255,255,255,.7)}th{background:#eef4ff}.footer{background:rgba(255,255,255,.55);backdrop-filter:blur(10px)}
.interactive-estimator{position:relative;overflow:hidden;border:1px solid rgba(37,99,235,.16);background:linear-gradient(135deg,#ffffff 0%,#f5f9ff 50%,#f7f3ff 100%)}.interactive-estimator:before{content:"";position:absolute;right:-70px;top:-80px;width:190px;height:190px;border-radius:50%;background:radial-gradient(circle,rgba(37,99,235,.16),transparent 68%)}.interactive-estimator>*{position:relative}.interactive-kicker{display:inline-flex;align-items:center;gap:7px;font-size:.75rem;font-weight:900;letter-spacing:.08em;text-transform:uppercase;color:var(--primary);background:rgba(37,99,235,.09);border:1px solid rgba(37,99,235,.15);border-radius:999px;padding:6px 10px}.interactive-estimator h2{margin-top:12px}.mini-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px;margin:18px 0}.mini-field{display:block;background:rgba(255,255,255,.72);border:1px solid rgba(226,232,240,.9);border-radius:18px;padding:14px}.mini-field span{display:flex;justify-content:space-between;gap:10px;color:var(--muted);font-size:.82rem;font-weight:800}.mini-field strong{color:var(--ink)}.mini-field input{width:100%;margin-top:12px;accent-color:var(--primary)}.mini-result{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;margin:14px 0}.mini-pill{border:1px solid rgba(226,232,240,.9);background:rgba(255,255,255,.76);border-radius:16px;padding:13px}.mini-pill span{display:block;color:var(--muted);font-size:.78rem;font-weight:800}.mini-pill strong{font-size:1.15rem;color:var(--ink)}.mini-choice-row{display:flex;flex-wrap:wrap;gap:9px;margin:16px 0 10px}.mini-choice{border:1px solid rgba(37,99,235,.18);background:#fff;color:var(--primary);font-weight:900;border-radius:999px;padding:9px 12px;cursor:pointer}.mini-choice.active,.mini-choice:hover{background:linear-gradient(135deg,var(--primary),var(--primary2));color:#fff;box-shadow:0 14px 26px rgba(37,99,235,.22)}.mini-recommendation{border-radius:16px;background:rgba(16,185,129,.09);border:1px solid rgba(16,185,129,.22);padding:13px;color:#065f46;font-weight:800}.reading-float{position:fixed;right:18px;bottom:18px;z-index:50;display:flex;gap:8px;align-items:center;background:rgba(255,255,255,.88);backdrop-filter:blur(14px);border:1px solid rgba(226,232,240,.9);box-shadow:0 16px 38px rgba(15,23,42,.16);border-radius:999px;padding:7px 8px 7px 13px;font-size:.8rem;font-weight:900;color:var(--muted)}.reading-float a{background:linear-gradient(135deg,var(--primary),var(--primary2));color:#fff;text-decoration:none;border-radius:999px;padding:8px 11px;font-size:.78rem}.reading-float.hidden{display:none}
@media(max-width:850px){.nav{padding:7px 4%;justify-content:center}.logo{width:auto;text-align:left;font-size:1rem}.nav-links{width:100%;justify-content:center}.hero{padding:28px 4% 24px}.grid{padding-top:18px}.mini-grid,.mini-result{grid-template-columns:1fr}.reading-float{left:12px;right:12px;justify-content:space-between}}@media(max-width:480px){.nav-links a{font-size:.73rem;padding:5px 7px}.hero h1{font-size:1.85rem}.card{padding:18px}.badge{font-size:.72rem}.reading-float{font-size:.74rem}}