/* AI-An design system. Tokens first; components below. Mobile-first. */
@font-face{font-family:"Inter";src:url(/assets/inter-var.woff2?v=20261031) format("woff2");font-weight:100 900;font-style:normal;font-display:optional}
@font-face{font-family:"Inter Fallback";src:local("Arial");size-adjust:107%;ascent-override:90%;descent-override:22%;line-gap-override:0%}
:root{
  --ink:#0d1b2a;--ink-2:#34445a;--muted:#56657a;--line:#e2e8f0;--line-2:#cfd8e3;
  --bg:#f5f7fa;--surface:#fff;--tint:#eef6f3;
  --brand:#0b6b57;--brand-600:#095a49;--brand-700:#07473a;--brand-50:#e7f4ef;--brand-100:#cdeadf;
  --deep:#0a2e27;--deep-2:#0f3d34;--mint:#6ee7b7;--amber:#f5b23d;
  --c-net:#10a37f;--c-fed:#3b82f6;--c-fica:#8b5cf6;--c-state:#f59e0b;--c-pre:#94a3b8;--c-int:#f97316;--c-extra:#ec4899;
  --r-sm:8px;--r:12px;--r-lg:18px;
  --s1:4px;--s2:8px;--s3:12px;--s4:16px;--s5:24px;--s6:32px;--s7:48px;--s8:64px;
  --shadow-1:0 1px 2px rgba(13,27,42,.06),0 1px 3px rgba(13,27,42,.05);
  --shadow-2:0 2px 4px rgba(13,27,42,.04),0 10px 30px -8px rgba(13,27,42,.14);
  --font:"Inter","Inter Fallback",ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  color-scheme:light}
[hidden]{display:none!important}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-padding-top:16px}
body{margin:0;font:400 16px/1.6 var(--font);color:var(--ink);background:var(--bg);font-feature-settings:"cv11","calt";-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}
h1,h2,h3{line-height:1.2;letter-spacing:-.018em;color:var(--ink);text-wrap:balance}
h1{font-size:clamp(1.75rem,1.2rem + 2.2vw,2.6rem);font-weight:750;margin:0 0 var(--s3)}
h2{font-size:clamp(1.3rem,1.1rem + .8vw,1.6rem);font-weight:700;margin:var(--s7) 0 var(--s3)}
h3{font-size:1.08rem;font-weight:650;margin:var(--s5) 0 var(--s2)}
p{margin:0 0 var(--s4)}
a{color:var(--brand);text-decoration-thickness:1px;text-underline-offset:.18em}
a:hover{color:var(--brand-700)}
:focus-visible{outline:3px solid #2563eb;outline-offset:2px;border-radius:4px}
.i{width:20px;height:20px;flex:none;fill:none;stroke:currentColor;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round;vertical-align:middle}
.sr{position:absolute!important;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap;border:0}
.skip{position:absolute;left:-999px;top:8px;z-index:50;background:#fff;padding:10px 14px;border-radius:8px;box-shadow:var(--shadow-2)}.skip:focus{left:8px}
.wrap{max-width:1200px;margin:0 auto;padding:0 20px}
@media(min-width:768px){.wrap{padding:0 32px}}
.meta{font-size:.92rem;color:var(--muted)}
.badge{display:inline-block;background:var(--brand-50);color:var(--brand-700);border-radius:999px;padding:2px 10px;font-weight:650;font-size:.82rem}
.lead{color:var(--ink-2);font-size:1.075rem;line-height:1.65;max-width:68ch}

/* ---------- header ---------- */
header.site{background:var(--surface);border-bottom:1px solid var(--line);position:relative;z-index:20}
.hdr{display:flex;align-items:center;justify-content:space-between;gap:var(--s4);min-height:64px}
.brand{display:inline-flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);font-weight:750;font-size:1.2rem;letter-spacing:-.02em}
.brand:hover{color:var(--ink)}
.logo-mark{width:32px;height:32px;flex:none}
nav.top{display:flex;align-items:center;gap:2px}
.nav-link{display:inline-flex;align-items:center;gap:4px;padding:8px 12px;border-radius:8px;color:var(--ink-2);font-weight:550;font-size:.95rem;text-decoration:none;min-height:40px}
.nav-link:hover{background:var(--bg);color:var(--ink)}
.chev{width:16px;height:16px;transition:transform .15s}
.has-mega{position:relative}
.mega{display:none;position:absolute;right:-120px;top:100%;padding-top:8px;width:min(760px,calc(100vw - 40px))}
.has-mega:hover .mega,.has-mega:focus-within .mega{display:block}
.has-mega:hover .chev,.has-mega:focus-within .chev{transform:rotate(180deg)}
.mega-in{display:grid;grid-template-columns:1fr 1.25fr;gap:var(--s5);background:var(--surface);border:1px solid var(--line);border-radius:var(--r-lg);box-shadow:var(--shadow-2);padding:var(--s5)}
.mega-h{font-size:.75rem;font-weight:700;text-transform:uppercase;letter-spacing:.08em;color:var(--muted);margin:0 0 var(--s2)}
.mega ul{list-style:none;margin:0;padding:0}
.mega-tools a{display:flex;align-items:center;gap:10px;padding:7px 8px;border-radius:8px;color:var(--ink);text-decoration:none;font-size:.93rem;font-weight:500}
.mega-tools a .i{color:var(--brand)}
.mega-tools a:hover,.mega-states a:hover{background:var(--brand-50)}
.mega-states{display:grid;grid-template-columns:repeat(3,1fr);gap:0 4px}
.mega-states a{display:block;padding:6px 8px;border-radius:8px;color:var(--ink);text-decoration:none;font-size:.9rem}
.mega-all{display:inline-flex;align-items:center;gap:6px;margin-top:var(--s3);font-weight:600;font-size:.92rem;text-decoration:none}
.mega-all .i{width:16px;height:16px}
@media(max-width:700px){.hide-sm{display:none}.mega{display:none!important}.chev{display:none}.nav-link{padding:8px 10px}}

/* ---------- breadcrumbs & page head ---------- */
nav.crumbs{margin:var(--s5) 0 0;font-size:.875rem;color:var(--muted)}
nav.crumbs ol{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:2px 0}
nav.crumbs li{display:inline-flex;align-items:center}
nav.crumbs li+li::before{content:"";width:6px;height:6px;border-right:1.5px solid #9aa7b6;border-top:1.5px solid #9aa7b6;transform:rotate(45deg);margin:0 10px 0 6px}
nav.crumbs a{color:var(--muted);text-decoration:none}nav.crumbs a:hover{color:var(--brand);text-decoration:underline}
nav.crumbs [aria-current]{color:var(--ink-2)}
.page-head{padding:var(--s4) 0 var(--s5)}
.page-head .lead{margin-bottom:var(--s4)}
.chips{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:8px}
.chip{display:inline-flex;align-items:center;gap:6px;background:var(--surface);border:1px solid var(--line);border-radius:999px;padding:4px 12px 4px 9px;font-size:.84rem;color:var(--ink-2);font-weight:500}
.chip .i{width:16px;height:16px;color:var(--muted)}
.chip-brand{background:var(--brand-50);border-color:var(--brand-100);color:var(--brand-700);font-weight:650}.chip-brand .i{color:var(--brand)}


/* ---------- forms ---------- */
fieldset{border:0;margin:0;padding:0;min-width:0}
legend{padding:0}
label{display:block;font-weight:550;font-size:.9rem;color:var(--ink-2);margin:var(--s4) 0 6px}
.hint{font-weight:400;color:var(--muted);font-size:.84rem}
input,select{width:100%;height:46px;padding:0 14px;border:1px solid var(--line-2);border-radius:10px;font:inherit;font-size:1rem;color:var(--ink);background:#fff;transition:border-color .12s,box-shadow .12s;font-variant-numeric:tabular-nums}
select{appearance:none;-webkit-appearance:none;padding-right:40px;background:#fff url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2356657a' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E") no-repeat right 12px center/18px}
input:hover,select:hover{border-color:#a9b6c6}
input:focus,select:focus{outline:none;border-color:var(--brand);box-shadow:0 0 0 4px rgba(11,107,87,.16)}
input[type=date]{padding:0 12px}
.affix{position:relative}
.affix .pre,.affix .suf{position:absolute;top:0;bottom:0;display:flex;align-items:center;color:var(--muted);font-size:.95rem;pointer-events:none}
.affix .pre{left:14px}.affix .suf{right:14px}
.affix.has-pre input{padding-left:28px}
.affix[data-suf-len="1"] input{padding-right:34px}.affix[data-suf-len="3"] input{padding-right:48px}.affix[data-suf-len="8"] input{padding-right:82px}
.row{display:grid;gap:0 var(--s3);grid-template-columns:1fr 1fr}
.row>div{min-width:0;display:flex;flex-direction:column}
.row>div>label{flex:1;display:flex;align-items:flex-end;flex-wrap:wrap;column-gap:4px}
.check{display:flex;gap:10px;align-items:flex-start;font-weight:500;color:var(--ink);font-size:.93rem;margin:var(--s4) 0 0;cursor:pointer}
.check input{width:18px;height:18px;min-height:0;margin:2px 0 0;accent-color:var(--brand);flex:none}
details.adv{margin-top:var(--s4);border-top:1px dashed var(--line-2);padding-top:var(--s3)}
details.adv>summary,.r-table>summary{cursor:pointer;list-style:none;display:inline-flex;align-items:center;gap:6px;font-weight:600;font-size:.92rem;color:var(--brand);padding:4px 0;border-radius:6px}
details.adv>summary::-webkit-details-marker,.r-table>summary::-webkit-details-marker,.faq summary::-webkit-details-marker{display:none}
details.adv>summary::before,.r-table>summary::before{content:"";width:7px;height:7px;border-right:2px solid currentColor;border-bottom:2px solid currentColor;transform:rotate(-45deg);margin-right:4px;transition:transform .15s}
details[open].adv>summary::before,.r-table[open]>summary::before{transform:rotate(45deg)}
.adv-in{padding-bottom:4px}
.note{background:#fff8e6;border:1px solid #f6e2ad;border-radius:10px;padding:10px 12px;font-size:.9rem}

/* ---------- calculator shell: paycheck ---------- */
.calc-form{display:grid;gap:var(--s4);grid-template-columns:minmax(0,1fr);margin:0 0 var(--s6)}
.step{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-lg);padding:var(--s5);box-shadow:var(--shadow-1)}
.step>legend{float:left;width:100%;display:flex;align-items:center;gap:10px;font-size:1.02rem;font-weight:650;color:var(--ink);margin:0 0 var(--s1)}
.step>legend+*{clear:both}
.step>legend~label:first-of-type,.step>legend+.row label,.step>legend+div label{margin-top:var(--s3)}
.n{display:inline-grid;place-items:center;width:26px;height:26px;border-radius:50%;background:var(--brand-50);color:var(--brand-700);font-size:.82rem;font-weight:700;flex:none}
.opt{margin-left:auto;font-size:.78rem;font-weight:600;color:var(--muted);background:var(--bg);border:1px solid var(--line);border-radius:999px;padding:1px 9px}
@media(min-width:960px){
  .calc-form{grid-template-columns:minmax(0,1fr) minmax(360px,420px);column-gap:var(--s6);align-items:start}
  .calc-form>.step{grid-column:1}
  .calc-form>.result{grid-column:2;grid-row:1/span 8;position:sticky;top:var(--s4)}
}

/* ---------- result panel ---------- */
.result{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-lg);box-shadow:var(--shadow-2);overflow:hidden;align-self:start}
.r-head{background:radial-gradient(120% 140% at 100% 0%,#13584a 0%,var(--deep) 55%);color:#e6f4ef;padding:var(--s5) var(--s5) var(--s5)}
.r-label{margin:0;font-size:.88rem;font-weight:550;color:#b9dccf;letter-spacing:.01em}
.net{margin:2px 0 0;font-size:clamp(2.3rem,1.8rem + 2vw,3rem);line-height:1.1;font-weight:750;letter-spacing:-.03em;color:#fff;font-variant-numeric:tabular-nums}
.r-stats{display:grid;grid-template-columns:1fr 1fr;gap:var(--s3);margin:var(--s4) 0 0;padding-top:var(--s4);border-top:1px solid rgba(255,255,255,.14)}
.r-stats div{min-width:0}.r-stats dt{font-size:.8rem;color:#a9cfc2}.r-stats dd{margin:0;font-size:1.12rem;font-weight:650;color:#fff;font-variant-numeric:tabular-nums}
.r-body{padding:var(--s5)}
.bar{display:flex;height:14px;border-radius:999px;overflow:hidden;background:var(--bg);gap:2px}
.bar:empty{display:none}
.seg{display:block;height:100%;min-width:3px;transition:width .25s ease}
.seg-net{background:var(--c-net)}.seg-fed{background:var(--c-fed)}.seg-fica{background:var(--c-fica)}.seg-state{background:var(--c-state)}.seg-pre{background:var(--c-pre)}
.seg-int{background:var(--c-int)}.seg-extra{background:var(--c-extra)}
.legend{list-style:none;margin:var(--s3) 0 var(--s4);padding:0;display:grid;gap:6px}
.legend:empty{display:none}
.legend li{display:grid;grid-template-columns:auto 1fr auto auto;align-items:center;gap:10px;font-size:.9rem;color:var(--ink-2)}
.legend b{font-weight:650;color:var(--ink);font-variant-numeric:tabular-nums}
.legend em{font-style:normal;color:var(--muted);font-size:.82rem;min-width:3.4em;text-align:right;font-variant-numeric:tabular-nums}
.dot{width:10px;height:10px;border-radius:3px;display:inline-block}
.r-table{border-top:1px solid var(--line);padding-top:var(--s3)}
.r-table>summary{color:var(--ink-2)}
.tscroll{overflow-x:auto;-webkit-overflow-scrolling:touch}
table{width:100%;border-collapse:collapse;font-size:.9rem;font-variant-numeric:tabular-nums}
th,td{text-align:left;padding:9px 6px;border-bottom:1px solid var(--line);vertical-align:top}
th{font-size:.78rem;font-weight:650;text-transform:uppercase;letter-spacing:.04em;color:var(--muted)}
th:not(:first-child),td:not(:first-child){text-align:right;white-space:nowrap}
#breakdown td:first-child{color:var(--ink-2)}
#breakdown tbody tr:first-child td{font-weight:600;color:var(--ink)}
tr.total td{font-weight:750;color:var(--ink)!important;border-top:2px solid var(--ink);border-bottom:0;font-size:.98rem}
.fine{margin:var(--s4) 0 0;font-size:.8rem;line-height:1.5;color:var(--muted)}

/* ---------- calculator shell: general tools ---------- */
.calc{display:grid;gap:var(--s4);grid-template-columns:minmax(0,1fr);margin:0 0 var(--s6);align-items:start}
@media(min-width:960px){.calc{grid-template-columns:minmax(0,1fr) minmax(360px,420px);column-gap:var(--s6)}.calc>.result{position:sticky;top:var(--s4)}}
.panel{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-lg);padding:var(--s5);box-shadow:var(--shadow-1)}
.tool-form>label:first-child,.tool-form>.row:first-child label{margin-top:0}
.kv td:first-child{color:var(--ink-2)}
.kv td:last-child{text-align:right;font-weight:600;color:var(--ink)}
.kv tr:last-child td{border-bottom:0}
#sched-wrap{margin-top:var(--s3);border-top:1px solid var(--line);padding-top:var(--s3)}
#out-sched td:not(:first-child),#out-sched th:not(:first-child){text-align:right}
#out-sched td:first-child,#out-sched th:first-child{text-align:left}
.calc-single{grid-template-columns:minmax(0,1fr)!important}
.calc-single .tool-form{display:grid;gap:var(--s4);grid-template-columns:minmax(0,1fr);background:none;border:0;box-shadow:none;padding:0}
@media(min-width:900px){.calc-single .tool-form{grid-template-columns:repeat(3,minmax(0,1fr))}}
.pct{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-lg);padding:var(--s5);box-shadow:var(--shadow-1);display:flex;flex-direction:column}
.pct h2{margin:0;font-size:1.02rem;letter-spacing:-.01em}
.pct .row{flex:1}
.pct-ans{margin:var(--s4) 0 0;padding:var(--s3) var(--s4);background:var(--deep);color:#b9dccf;border-radius:var(--r);font-size:.88rem}
.pct-ans strong{display:block;color:#fff;font-size:1.6rem;font-weight:700;letter-spacing:-.02em;font-variant-numeric:tabular-nums;overflow-wrap:anywhere}

/* ---------- content ---------- */
.content-grid{max-width:780px}
.side{display:none}
@media(min-width:1100px){
  .content-grid{max-width:none;display:grid;grid-template-columns:minmax(0,760px) 300px;justify-content:space-between;gap:var(--s7)}
  .side{display:flex;flex-direction:column;gap:var(--s4);position:sticky;top:var(--s4);align-self:start;margin-top:var(--s5)}
}
.side-card{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-lg);padding:var(--s4)}
.side-h{font-size:.75rem;font-weight:700;text-transform:uppercase;letter-spacing:.08em;color:var(--muted);margin:0 0 var(--s2)}
.side ul{list-style:none;margin:0;padding:0}
.side-jumps a{display:block;padding:6px 8px;border-radius:8px;color:var(--ink-2);text-decoration:none;font-size:.92rem}
.side-tools a{display:flex;align-items:center;gap:10px;padding:8px;border-radius:8px;color:var(--ink);text-decoration:none;font-size:.92rem;font-weight:550}
.side-tools .i{color:var(--brand)}
.side a:hover{background:var(--brand-50);color:var(--brand-700)}
.ads .side .ad-slot{min-height:600px;margin:0}
.prose{font-size:1.02rem;color:var(--ink)}
.prose>h2:first-child{margin-top:var(--s5)}
.prose p,.prose li{color:#243447}
.prose li{margin:6px 0}
.prose ul:not(.links):not(.sources):not(.tiles):not(.state-chips){padding-left:1.25em}
.callout{background:var(--surface);border:1px solid var(--line);border-left:4px solid var(--amber);border-radius:var(--r);padding:var(--s4) var(--s5)}
.callout p{margin:0;font-size:.97rem}
.contact-card{display:flex;gap:var(--s4);align-items:flex-start;background:var(--surface);border:1px solid var(--line);border-radius:var(--r-lg);box-shadow:var(--shadow-1);padding:var(--s5);margin:var(--s5) 0}
.contact-card>.i{flex:none;width:44px;height:44px;padding:10px;border-radius:12px;background:var(--brand-50);color:var(--brand);stroke-width:1.8}
.contact-card p{margin:0}.contact-k{font-size:.78rem;font-weight:650;letter-spacing:.06em;text-transform:uppercase;color:var(--muted)}
.contact-v{font-size:1.2rem;font-weight:650;overflow-wrap:break-word}.contact-v a{color:var(--brand-700)}.contact-n{font-size:.92rem;color:var(--muted);margin-top:4px!important}
.prose h2[id]{scroll-margin-top:var(--s5)}
@media(max-width:600px){.contact-card{padding:var(--s4);gap:var(--s3)}.contact-card>.i{width:36px;height:36px;padding:8px}.contact-v{font-size:1.05rem}}
.faq{border-top:1px solid var(--line)}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:var(--s4);padding:var(--s4) 2px;font-weight:600;font-size:1rem;color:var(--ink)}
.faq summary::after{content:"";flex:none;width:22px;height:22px;border-radius:50%;background:var(--brand-50) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230b6b57' stroke-width='2.4' stroke-linecap='round'%3E%3Cpath d='M12 7v10M7 12h10'/%3E%3C/svg%3E") no-repeat center/14px}
.faq details[open] summary::after{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230b6b57' stroke-width='2.4' stroke-linecap='round'%3E%3Cpath d='M7 12h10'/%3E%3C/svg%3E")}
.faq summary:hover{color:var(--brand)}
.faq details p{margin:0 0 var(--s4);color:var(--ink-2)}
.sources{padding-left:1.1em}.sources li{word-break:break-word;font-size:.95rem}
ul.links{list-style:none;padding:0;margin:var(--s2) 0 var(--s4);columns:3 220px;column-gap:var(--s5)}
ul.links li{margin:0 0 6px;break-inside:avoid}
ul.links a{text-decoration:none}ul.links a:hover{text-decoration:underline}
.tiles{list-style:none;margin:var(--s3) 0;padding:0;display:grid;gap:var(--s3);grid-template-columns:repeat(auto-fill,minmax(220px,1fr))}
.tiles>li{display:flex}.tile{flex:1;display:flex;align-items:center;gap:12px;padding:14px 16px;background:var(--surface);border:1px solid var(--line);border-radius:var(--r);text-decoration:none;color:var(--ink);font-weight:600;font-size:.95rem;transition:border-color .15s,box-shadow .15s}
.tile:hover{border-color:var(--brand-100);box-shadow:var(--shadow-2);color:var(--ink)}
.tile-i{width:22px;height:22px;color:var(--brand)}
.state-chips{list-style:none;margin:var(--s3) 0 var(--s2);padding:0;display:flex;flex-wrap:wrap;gap:8px}
.state-chips a{display:inline-flex;align-items:center;gap:8px;padding:6px 12px 6px 6px;background:var(--surface);border:1px solid var(--line);border-radius:999px;text-decoration:none;color:var(--ink);font-size:.9rem;font-weight:500}
.state-chips a:hover{border-color:var(--brand);color:var(--brand-700)}
.state-chips abbr{text-decoration:none;display:inline-grid;place-items:center;width:28px;height:22px;border-radius:999px;background:var(--brand-50);color:var(--brand-700);font-size:.72rem;font-weight:700;letter-spacing:.02em}
.more{display:inline-flex;align-items:center;gap:6px;font-weight:600;text-decoration:none}.more .i{width:16px;height:16px}

/* ---------- home ---------- */
.hero{background:linear-gradient(180deg,#fff 0%,var(--bg) 100%);border-bottom:1px solid var(--line);padding:var(--s7) 0 var(--s7);overflow:hidden}
.hero-grid{display:grid;gap:var(--s6);align-items:center}
@media(min-width:960px){.hero-grid{grid-template-columns:minmax(0,1.15fr) minmax(360px,.85fr);gap:var(--s8)}.hero{padding:72px 0}}
.eyebrow{display:inline-flex;align-items:center;gap:6px;font-size:.85rem;font-weight:600;color:var(--brand-700);background:var(--brand-50);border:1px solid var(--brand-100);border-radius:999px;padding:4px 12px 4px 8px;margin-bottom:var(--s4)}
.eyebrow .i{width:16px;height:16px}
.hero h1{font-size:clamp(2rem,1.2rem + 3.4vw,3.35rem);letter-spacing:-.035em;line-height:1.08;max-width:16ch}
.hero .lead{font-size:1.1rem}
.cta{display:flex;flex-wrap:wrap;gap:var(--s3);margin:var(--s5) 0 var(--s4)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;height:48px;padding:0 20px;border-radius:12px;font-weight:650;font-size:1rem;text-decoration:none;transition:background .15s,box-shadow .15s,border-color .15s}
.btn .i{width:18px;height:18px}
.btn-primary{background:var(--brand);color:#fff;box-shadow:0 1px 2px rgba(7,71,58,.3),inset 0 1px 0 rgba(255,255,255,.12)}
.btn-primary:hover{background:var(--brand-600);color:#fff}
.btn-ghost{background:#fff;color:var(--ink);border:1px solid var(--line-2)}
.btn-ghost:hover{border-color:var(--ink-2);color:var(--ink)}
.hero-states{display:flex;flex-wrap:wrap;align-items:center;gap:6px 14px;font-size:.92rem;margin:0}
.hero-states span{color:var(--muted)}
.hero-states a{font-weight:550;color:var(--ink-2);text-decoration:none;border-bottom:1px solid var(--line-2)}
.hero-states a:hover{color:var(--brand);border-color:var(--brand)}
.hero-card{background:var(--surface);border:1px solid var(--line);border-radius:22px;box-shadow:0 30px 60px -20px rgba(10,46,39,.25),var(--shadow-1);padding:var(--s5);position:relative}
.hc-top{display:flex;align-items:center;gap:8px;font-size:.85rem;color:var(--muted);margin:0 0 var(--s4)}
.hc-top .i{color:var(--brand)}
.hc-label{margin:0;font-size:.9rem;color:var(--ink-2)}
.hc-net{margin:0 0 var(--s4);font-size:2.8rem;font-weight:750;letter-spacing:-.035em;line-height:1.1;font-variant-numeric:tabular-nums}
.hero-card .legend{margin-bottom:var(--s4)}
.hero-card .legend li{grid-template-columns:auto 1fr auto}
.hc-link{display:flex;align-items:center;justify-content:space-between;gap:8px;font-weight:650;text-decoration:none;padding:12px 14px;margin:0 calc(var(--s2) * -1) calc(var(--s2) * -1);border-radius:12px;background:var(--brand-50);color:var(--brand-700)}
.hc-link:hover{background:var(--brand-100);color:var(--brand-700)}
.sec{margin:var(--s8) 0}
.sec-head h2{margin:0 0 var(--s2)}
.sec-head{margin-bottom:var(--s5)}
.tgroup+.tgroup{margin-top:var(--s5)}
.tgroup-h{font-size:.78rem;font-weight:700;text-transform:uppercase;letter-spacing:.08em;color:var(--muted);margin:0 0 var(--s3)}
.tgrid{display:grid;gap:var(--s3);grid-template-columns:repeat(auto-fill,minmax(260px,1fr))}
@media(min-width:1100px){.tgrid{grid-template-columns:repeat(4,minmax(0,1fr))}}
.tcard-t small{font-size:.72rem;font-weight:700;letter-spacing:.07em;text-transform:uppercase;color:var(--brand)}
.tcard{display:grid;grid-template-columns:auto 1fr auto;align-items:start;gap:14px;padding:18px;background:var(--surface);border:1px solid var(--line);border-radius:var(--r-lg);text-decoration:none;color:var(--ink);transition:border-color .15s,box-shadow .15s,transform .15s;height:100%}
.tcard:hover{border-color:var(--brand-100);box-shadow:var(--shadow-2);transform:translateY(-2px);color:var(--ink)}
.tcard-i{display:grid;place-items:center;width:44px;height:44px;border-radius:12px;background:var(--brand-50);color:var(--brand)}
.tcard-i .i{width:22px;height:22px}
.tcard-t{display:flex;flex-direction:column;gap:4px;min-width:0}
.tcard-t b{font-weight:650;font-size:1rem}
.tcard-t span{font-size:.88rem;color:var(--muted);line-height:1.5}
.tcard-go{width:18px;height:18px;color:#9aa7b6;margin-top:3px;transition:transform .15s,color .15s}
.tcard:hover .tcard-go{color:var(--brand);transform:translateX(3px)}
.sgrid{display:grid;gap:var(--s3);grid-template-columns:repeat(auto-fill,minmax(280px,1fr))}
.scard{display:grid;grid-template-columns:auto 1fr;gap:4px 14px;align-items:start;padding:16px 18px;background:var(--surface);border:1px solid var(--line);border-radius:var(--r-lg);text-decoration:none;color:var(--ink);transition:border-color .15s,box-shadow .15s;height:100%;position:relative}
.scard:hover{border-color:var(--brand-100);box-shadow:var(--shadow-2);color:var(--ink)}
.scard-code{grid-row:1/span 2;display:grid;place-items:center;width:44px;height:44px;border-radius:12px;background:var(--deep);color:#d1fae5;font-weight:700;font-size:.9rem;letter-spacing:.02em}
.scard-t{display:flex;flex-direction:column;gap:3px;min-width:0}
.scard-t b{font-weight:650}
.scard-t span{font-size:.86rem;color:var(--muted);line-height:1.5}
.tag{grid-column:2;justify-self:start;font-size:.74rem;font-weight:650;color:#7a4b00;background:#fff3d6;border:1px solid #f7dc9b;border-radius:999px;padding:1px 9px;margin-top:6px}
.pillars{display:grid;gap:var(--s4);grid-template-columns:repeat(auto-fit,minmax(240px,1fr));background:var(--deep);border-radius:22px;padding:var(--s6);color:#cfe7df}
.pillar h3{color:#fff;margin:var(--s3) 0 6px}
.pillar p{margin:0;font-size:.93rem;line-height:1.55;color:#b9d6cc}
.pillar-i{display:grid;place-items:center;width:44px;height:44px;border-radius:12px;background:rgba(110,231,183,.12);color:var(--mint)}
#index h2{margin-top:0}

/* ---------- hub ---------- */
.state-list{list-style:none;margin:0 0 var(--s6);padding:0;display:grid;gap:var(--s3);grid-template-columns:repeat(auto-fill,minmax(320px,1fr))}
.state-list .scard{grid-template-columns:auto 1fr auto;padding-right:16px}
.state-list .scard .tag{grid-column:2}
.scard-go{grid-column:3;grid-row:1;width:18px;height:18px;color:#9aa7b6;align-self:center}
.scard:hover .scard-go{color:var(--brand)}
.two-col{display:grid;gap:var(--s4);grid-template-columns:repeat(auto-fit,minmax(260px,1fr));margin-top:var(--s3)}
.info-card{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-lg);padding:var(--s5)}
.info-card h2{margin:0 0 var(--s2);font-size:1.15rem}.info-card p{margin:0;font-size:.97rem}

/* ---------- text pages ---------- */
.text-page{padding:var(--s3) 0 var(--s4)}
.text-page .prose{max-width:740px}
.text-page h1{margin-top:var(--s4)}
.has-toc{display:grid;gap:var(--s6)}
@media(min-width:1000px){.has-toc{grid-template-columns:240px minmax(0,740px)}.toc{position:sticky;top:var(--s4);align-self:start;max-height:calc(100vh - 32px);overflow:auto;margin-top:var(--s6)}}
.toc{border:1px solid var(--line);background:var(--surface);border-radius:var(--r);padding:var(--s4)}
.toc-h{font-size:.75rem;font-weight:700;text-transform:uppercase;letter-spacing:.08em;color:var(--muted);margin:0 0 var(--s2)}
.toc ol{list-style:none;margin:0;padding:0;font-size:.88rem}
.toc a{display:block;padding:4px 8px;border-radius:6px;color:var(--ink-2);text-decoration:none}
.toc a:hover{background:var(--brand-50);color:var(--brand-700)}
@media(max-width:999px){.toc ol{columns:2 160px}}

/* ---------- 404 ---------- */
.nf{padding:var(--s7) 0 var(--s4);max-width:900px}
.nf-code{font-size:.9rem;font-weight:700;color:var(--brand);letter-spacing:.1em;margin:0 0 var(--s2)}
.nf-links{display:flex;flex-wrap:wrap;gap:var(--s3);margin-top:var(--s5)}

/* ---------- footer ---------- */
footer.site{background:var(--deep);color:#b9d6cc;margin-top:var(--s8);padding:var(--s7) 0 var(--s5);font-size:.92rem}
.f-grid{display:grid;gap:var(--s6) var(--s5);grid-template-columns:repeat(auto-fit,minmax(170px,1fr))}
@media(min-width:960px){.f-grid{grid-template-columns:1.5fr 1.2fr 1.6fr .8fr}}
.brand-inv{color:#fff}.brand-inv:hover{color:#fff}
.f-brand p{margin:var(--s3) 0 0;line-height:1.6;max-width:36ch}
.f-h{color:#fff;font-weight:650;margin:0 0 var(--s3);font-size:.95rem}
.f-h a{color:#fff;text-decoration:none}
footer.site ul{list-style:none;margin:0;padding:0}
footer.site li{margin:0 0 7px}
footer.site a{color:#cfe7df;text-decoration:none}
footer.site a:hover{color:#fff;text-decoration:underline}
.f-states ul{columns:2;column-gap:var(--s4)}
.f-legal{border-top:1px solid rgba(255,255,255,.12);margin:var(--s6) 0 0;padding-top:var(--s4);font-size:.84rem;color:#9cc2b5}

/* ---------- reserved ad positions (off until <html class="ads">) ---------- */
.ad-slot{display:none}
.ads .ad-slot{display:block;min-height:280px;margin:var(--s6) auto;max-width:970px;contain:layout}
.ads .ad-slot[data-ad-slot="below-calculator"]{min-height:250px}
@media(min-width:768px){.ads .ad-slot[data-ad-slot="below-calculator"]{min-height:90px}}

@media(prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}
@media print{header.site,footer.site,.ad-slot,.mega{display:none}.calc-form>.result{position:static}}

/* ---------- phone refinements ---------- */
tr.total td:first-child{white-space:nowrap}
@media(max-width:600px){
  nav.crumbs li:last-child{display:none}
  nav.crumbs{margin-top:var(--s4)}
  .page-head{padding:var(--s3) 0 var(--s4)}
  .page-head .lead{font-size:.97rem;line-height:1.6}
  .chips{gap:6px}
  .chip{white-space:nowrap;font-size:.8rem;padding:3px 10px 3px 8px}
  .chip-x{display:none}
  .step,.panel,.r-head,.r-body{padding:var(--s4) 18px}
  .cta .btn{flex:1 1 100%}
  .hero{padding:var(--s6) 0}
  table{font-size:.86rem}
}
@media(max-width:600px){
  .tcard{padding:14px;gap:12px}
  .tcard-t small{display:none}
  .tcard-i{width:40px;height:40px}
  .tcard-t span{font-size:.85rem}
  .sgrid{grid-template-columns:1fr 1fr;gap:10px}
  .sgrid .scard{grid-template-columns:auto 1fr;align-items:center;padding:10px 12px;gap:0 10px}
  .sgrid .scard-code{grid-row:auto;width:36px;height:36px;font-size:.8rem;border-radius:10px}
  .sgrid .scard-t span,.sgrid .tag{display:none}
  .sgrid .scard-t{min-width:0}
  .sgrid .scard-t b{font-size:.86rem;line-height:1.25;hyphens:auto;-webkit-hyphens:auto}
  .sgrid .scard-code{width:32px;height:32px;font-size:.74rem}
  .pillars{padding:var(--s5)}
  .sec{margin:var(--s7) 0}
}