:root{--navy:#1B2A5B;--red:#D7192A;--gray:#F4F6FA}
*{box-sizing:border-box}body{margin:0;font:18px/1.6 system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:#141a2e;background:#fff}
a{color:var(--navy)}header{background:var(--navy);color:#fff}
.wrap{max-width:960px;margin:0 auto;padding:0 20px}
.nav{display:flex;align-items:center;justify-content:space-between;padding:12px 20px;max-width:960px;margin:0 auto}
.brand{display:flex;align-items:center;gap:10px;color:#fff;text-decoration:none;font-weight:800;font-size:24px}
.brand img{height:44px;width:44px;object-fit:cover;border-radius:6px;background:#fff}
.brand span{color:#ff5a66}nav a{color:#fff;margin-left:18px;text-decoration:none;font-size:16px}
.hero{background:var(--gray);padding:56px 0}h1{color:var(--navy);font-size:40px;line-height:1.15;margin:0 0 16px}
h2{color:var(--navy);font-size:28px;margin:40px 0 12px}.btn{display:inline-block;padding:14px 22px;border-radius:8px;font-weight:700;text-decoration:none;margin:8px 10px 0 0}
.primary{background:var(--navy);color:#fff}.outline{border:2px solid var(--navy);color:var(--navy)}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.card{border:1px solid #dde2ee;border-radius:10px;padding:20px;border-top:4px solid var(--red)}
.card b{color:var(--red);font-size:26px}.box{background:var(--gray);border-left:5px solid var(--navy);padding:16px 20px;border-radius:6px}
.warn{background:#fff4f4;border-left:5px solid var(--red);padding:14px 18px;border-radius:6px}
.meta{font-size:15px;color:#4a5370}footer{background:var(--navy);color:#dfe4f2;margin-top:56px;padding:28px 0;font-size:15px}footer a{color:#fff}
form label{display:block;margin:12px 0 4px;font-weight:600}input{width:100%;padding:12px;font-size:18px;border:1px solid #aab;border-radius:6px}
@media(max-width:700px){.cards{grid-template-columns:1fr}h1{font-size:30px}nav{display:none}}
.brand img{height:44px;width:auto;background:none;border-radius:0}
.hero .wrap{display:flex;align-items:center;gap:40px}.hero img{width:200px;flex:none}
.qualify{list-style:none;padding:20px 24px;background:var(--gray);border-radius:10px}.qualify li{padding:8px 0 8px 40px;position:relative}
.qualify li:before{content:"";position:absolute;left:0;top:10px;width:22px;height:22px;border:2px solid var(--navy);border-radius:4px;background:#fff}
.steps{display:grid;gap:16px}.steps .card b{margin-right:8px}
input:disabled,button:disabled{background:#e6e8ee;color:#666;cursor:not-allowed}
@media(max-width:700px){.btn{display:block;text-align:center;margin:10px 0}.hero img{display:none}}
.top{margin-top:36px}.fs{border:0;padding:0}.sub{border:0;font-size:18px;margin-top:18px}
.adslot{min-height:280px;margin:32px 0}.adslot ins{display:block}
.adslot{display:none}
nav a{margin-left:14px}
.navyhero{background:var(--navy);color:#fff}.navyhero h1{color:#fff}.navyhero a{color:#fff}
.picker label{display:block;font-weight:700;margin:18px 0 6px}.pickrow{display:flex;gap:10px;max-width:460px}
.pickrow select{flex:1;font-size:18px;padding:12px;border-radius:8px;border:0}.btn.red,.red{background:var(--red);color:#fff;border:0;font-size:18px;cursor:pointer;margin:0}
.trust{background:#0f1a3d;color:#fff;padding:10px 0;font-size:16px;text-align:center}
.stat b{font-size:40px;display:block}.linkcard{display:block;text-decoration:none;color:inherit}.linkcard:hover{box-shadow:0 2px 10px rgba(27,42,91,.15)}
.usmap{width:100%;max-width:620px;display:block}.usmap rect{stroke:#fff}.usmap .ben{fill:var(--red)}.usmap .full{fill:#c7cee0}.usmap .stub{fill:#e6e9f0}
.usmap text{font-size:15px;font-weight:700;text-anchor:middle;fill:#1B2A5B;pointer-events:none}.usmap a:hover rect,.usmap a:focus rect{stroke:var(--navy);stroke-width:3}
.legend{font-size:15px}.sw{display:inline-block;width:14px;height:14px;border-radius:3px;margin:0 4px 0 12px;vertical-align:middle}.sw.ben{background:var(--red)}.sw.full{background:#c7cee0}.sw.stub{background:#e6e9f0;border:1px solid #ccd}
.statelist{columns:3;padding-left:20px}.tag{background:var(--red);color:#fff;font-size:13px;padding:1px 6px;border-radius:4px}
#statefilter{max-width:420px;display:block;margin:6px 0 12px}label[for=statefilter]{font-weight:600}
.summary ul{margin:8px 0 0}
@media(max-width:700px){.mapwrap{display:none}.statelist{columns:1}.pickrow{flex-direction:column}.trust{font-size:14px}}
@media(min-width:701px){#statefilter,label[for=statefilter]{display:none}#azlist{columns:4}}
.usmap .ben+text{fill:#fff}
.tag{white-space:nowrap}.statelist li.soon,.statelist li.soon a{color:#7a8299}
.sister{margin:0 0 10px}
.menubtn{display:none}.navpick{display:none}
@media(max-width:700px){
.nav{position:relative;flex-wrap:wrap}
nav{display:flex;flex-wrap:wrap;gap:4px 14px;width:100%;padding-top:8px}nav a{margin:0}
.js .menubtn{display:flex;flex-direction:column;justify-content:center;gap:5px;width:48px;height:48px;padding:12px;background:transparent;border:1px solid rgba(255,255,255,.4);border-radius:8px;cursor:pointer}
.menubtn span{display:block;height:3px;background:#fff;border-radius:2px}
.js nav{display:none}
.js .menuopen nav{display:block;position:absolute;left:0;right:0;top:100%;background:var(--navy);padding:0 0 16px;z-index:50;box-shadow:0 8px 16px rgba(0,0,0,.25)}
.js .menuopen nav a{display:flex;align-items:center;min-height:48px;padding:0 20px;border-top:1px solid rgba(255,255,255,.15);font-size:18px;color:#fff}
.js .menuopen nav a.navpick{justify-content:center;background:var(--red);margin:16px 20px 0;border-radius:8px;border:0;font-weight:700}
}
@media(max-width:700px){.js .menuopen nav{border-bottom:2px solid var(--red);box-shadow:0 10px 18px rgba(0,0,0,.35)}}
.navcalc{display:none}@media(max-width:700px){.navcalc{display:inline}.js .menuopen nav a.navcalc{display:flex}}
.btn.outline.light{border:2px solid #fff;color:#fff;background:transparent;margin:0}.pickrow{max-width:620px;flex-wrap:wrap}
.toplinks{font-size:16px}
.calc{margin:32px 0;padding:24px;border:1px solid #dde2ee;border-radius:12px;background:#fff}.calc h2{margin-top:0}
.calc-controls{display:flex;gap:24px;flex-wrap:wrap;align-items:flex-end}.calc label{font-weight:700;display:block}
.calc-state{display:block;font-size:18px;padding:12px;min-height:48px;border-radius:8px;border:1px solid #aab;margin-top:6px;min-width:240px}
.calc-qlabel{display:block;font-weight:700;margin-bottom:6px}.seg{display:flex;border:2px solid var(--navy);border-radius:10px;overflow:hidden;width:max-content}
.seg button{min-width:88px;min-height:52px;font-size:18px;font-weight:700;border:0;background:#fff;color:var(--navy);cursor:pointer}
.seg button[aria-pressed=true]{background:var(--navy);color:#fff}
.calc-cards{display:grid;grid-template-columns:1fr auto 1fr;gap:16px;align-items:center;margin:20px 0 8px}.calc-cards.single{grid-template-columns:1fr}
.ccard{border-radius:12px;padding:20px;color:#fff;text-align:center}.ccard.navy{background:var(--navy)}.ccard.red{background:var(--red)}
.ccard span{display:block;font-weight:700}.ccard b{display:block;font-size:44px;line-height:1.2}.ccard small{opacity:.9}
.save{background:#1e7d3a;color:#fff;font-weight:800;padding:12px 16px;border-radius:999px;text-align:center}
.tablewrap{overflow-x:auto}.calc-table{width:100%;border-collapse:collapse;font-size:16px}.calc-table caption{text-align:left;font-weight:700;padding:8px 0}
.calc-table th,.calc-table td{border-bottom:1px solid #dde2ee;padding:8px;text-align:left}
.vtag{display:inline-block;background:#e3e6ee;color:#4a5370;font-size:13px;font-weight:700;padding:1px 8px;border-radius:999px;cursor:help}
.calc [hidden]{display:none!important}
@media(max-width:700px){.calc{padding:16px}.calc-cards{grid-template-columns:1fr}.calc-state{width:100%}.seg{width:100%}.seg button{flex:1}}
.ccard small,.save small{display:block}.ccard .plus,.save .plus{margin-top:6px;font-size:14px;line-height:1.35}.save .plus{font-weight:400;max-width:220px}
.ccard.dim,.save.dim{background:#c9cdd8;color:#5a6178;filter:grayscale(1);opacity:.75}
.calc-nonote{font-weight:700;color:var(--navy);margin:4px 0}
@media(max-width:700px){.byregion{display:none}
.calc-table{font-size:14px;table-layout:fixed}.calc-table th,.calc-table td{padding:6px 4px;overflow-wrap:anywhere;vertical-align:top}
.calc-table th:first-child,.calc-table td:first-child{width:18%}.calc-table th:nth-child(2),.calc-table td:nth-child(2){width:38%}
.tablewrap{overflow-x:visible}.vtag{font-size:12px;padding:1px 6px}}
.ccard.navy{background:#eef0f5;color:#141a2e;border:1px solid #d3d8e4}
.ccard.red{background:#1e7d3a;color:#fff}
.save{background:var(--navy)}
.calc-table .sm{display:none}
@media(max-width:700px){
.calc-table thead{display:none}.calc-table,.calc-table tbody{display:block}
.calc-table tr{display:block;padding:8px 0;border-bottom:1px solid #dde2ee;font-size:15px;line-height:1.4}
.calc-table td{display:inline;border:0;padding:0;width:auto!important}
.calc-table td+td::before{content:" · ";color:#7a8299}
.calc-table td.cw::before{content:" → "}
.calc-table .lg{display:none}.calc-table .sm{display:inline}}
.estnote{font-size:15px;color:#4a5370;margin:4px 0 12px;text-align:center}