@import url('https://fonts.googleapis.com/css2?family=DM+Sans:wght@400;500;600;700&family=Manrope:wght@400;500;600;700;800&display=swap');
:root{--ink:#18343b;--deep:#123139;--cream:#f7f5ee;--paper:#fffefa;--line:#d6ddd8;--muted:#526b6c;--teal:#2c716c;--teal-light:#e4f1ec;--gold:#d7a95c;--orange:#edbc78;--font:'DM Sans',Arial,sans-serif;--display:'Manrope',Arial,sans-serif}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--cream);color:var(--ink);font:400 1rem/1.6 var(--font)}a{color:inherit}button,input,select{font:inherit}button{cursor:pointer}h1,h2,h3,p,blockquote{margin-top:0}h1,h2,h3{font-family:var(--display);line-height:1.16;letter-spacing:-.045em}h1{font-size:clamp(2.7rem,5.5vw,5.35rem);font-weight:800}h2{font-size:clamp(1.8rem,3vw,3rem)}h3{font-size:1.5rem}p{margin-bottom:1.2rem}.wrap{width:min(1200px,calc(100% - 48px));margin-inline:auto}.skip-link{position:absolute;top:-100px;left:10px;background:white;padding:12px;z-index:100}.skip-link:focus{top:10px}.site-header{background:var(--cream);border-bottom:1px solid var(--line);position:relative;z-index:30}.header-inner{min-height:94px;display:flex;align-items:center;justify-content:space-between;gap:34px}.brand{display:flex;gap:10px;align-items:center;text-decoration:none;flex:none}.brand-mark{font-family:var(--display);font-size:2.55rem;line-height:1;font-weight:800;letter-spacing:-.13em;color:var(--teal)}.brand-mark span{color:var(--gold)}.brand-name{font-size:.72rem;font-weight:800;letter-spacing:.12em;line-height:1.12}nav{display:flex;gap:clamp(8px,1.25vw,21px);align-items:center;flex-wrap:wrap}nav a{text-decoration:none;font-weight:700;font-size:.82rem;white-space:nowrap;padding:12px 0;border-bottom:2px solid transparent}nav a:hover,nav a.current{color:var(--teal);border-color:var(--teal)}.menu-toggle{display:none;border:0;background:transparent;color:var(--ink);font-weight:700}.eyebrow{font-size:.78rem;font-weight:800;letter-spacing:.16em;line-height:1.4;color:var(--teal);text-transform:uppercase}.lead{font-size:clamp(1.05rem,1.8vw,1.32rem);line-height:1.55;color:#496062}.narrow{max-width:690px}.hero{display:grid;grid-template-columns:1.1fr .9fr;gap:clamp(30px,4vw,65px);align-items:center;min-height:620px;padding-block:72px 90px}.hero-copy{position:relative;z-index:1}.hero h1{margin:20px 0 28px}.hero h1 em{font-style:normal;color:var(--teal)}.hero .lead{max-width:550px}.hero-actions{display:flex;gap:24px;align-items:center;flex-wrap:wrap;margin-top:32px}.button{display:inline-flex;align-items:center;justify-content:space-between;gap:24px;background:var(--deep);border:1px solid var(--deep);border-radius:4px;color:#fff;text-decoration:none;padding:15px 20px;font-weight:700;line-height:1.25;min-height:53px}.button:hover{background:var(--teal);border-color:var(--teal)}.button:focus-visible,.text-link:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,a:focus-visible{outline:3px solid #d99741;outline-offset:3px}.text-link{text-decoration:none;font-weight:800;border-bottom:1px solid currentColor;padding-bottom:3px}.text-link:hover{color:var(--teal)}.hero-photo{height:460px;background:#d5dfd4 url('/assets/hero-home.webp') center/cover;border-radius:190px 190px 8px 8px;position:relative;overflow:hidden}.photo-caption{position:absolute;bottom:0;left:0;right:0;padding:25px 28px;color:white;background:linear-gradient(transparent,rgba(9,39,44,.82))}.photo-caption span{display:block;font-size:.7rem;font-weight:800;letter-spacing:.15em;margin-bottom:8px}.photo-caption strong{font-family:var(--display);font-size:1.15rem;line-height:1.3}.promise-band{background:var(--deep);color:#fff;padding:45px 0}.promise-grid{display:grid;grid-template-columns:230px 1fr;gap:50px;align-items:start}.promise-band .eyebrow{color:var(--orange);padding-top:14px}.promise-band blockquote{font:700 clamp(1.45rem,2.5vw,2.55rem)/1.32 var(--display);letter-spacing:-.035em;max-width:820px;margin:0}.section{padding-block:90px}.section-tight{padding-block:20px 100px}.section-heading{max-width:690px;margin-bottom:36px}.section-heading h2{margin:5px 0 18px}.section-heading p:last-child{font-size:1.12rem;color:var(--muted)}.feature-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.feature{min-height:300px;display:flex;flex-direction:column;padding:28px;background:var(--paper);border:1px solid var(--line);text-decoration:none;transition:transform .18s,box-shadow .18s}.feature:hover{transform:translateY(-4px);box-shadow:0 10px 30px rgba(17,50,55,.09)}.feature-primary{background:var(--teal-light);border-color:#a9c9bf}.feature-number{font-size:.76rem;letter-spacing:.12em;font-weight:800;color:var(--teal)}.feature h3{margin:50px 0 12px}.feature p{color:var(--muted)}.feature-link{margin-top:auto;font-weight:800}.compact{padding-top:0}.split-note{border-top:1px solid var(--line);padding-top:48px;display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:center}.split-note p:last-child{font-size:1.18rem;color:var(--muted);max-width:520px}.page-intro{padding-block:72px 54px}.page-intro h1{max-width:950px;margin:15px 0 20px}.page-intro .lead{margin-bottom:0}.tool-layout{display:grid;grid-template-columns:minmax(0,1.55fr) minmax(260px,.7fr);gap:56px;padding-bottom:110px;align-items:start}.tool-shell{background:var(--paper);border:1px solid var(--line);padding:clamp(25px,4vw,50px);min-height:520px;box-shadow:0 12px 40px rgba(20,54,59,.035)}.tool-top{font-size:.78rem;letter-spacing:.12em;font-weight:800;color:var(--teal)}.progress-track{height:5px;background:#e4eae5;margin:14px 0 42px}.progress-track div{height:100%;width:14.3%;background:var(--teal);transition:width .2s}.question-title{font-family:var(--display);font-size:clamp(1.45rem,2.7vw,2.25rem);font-weight:800;letter-spacing:-.035em;line-height:1.25;margin-bottom:24px}.question-help{color:var(--muted);margin-top:-13px;margin-bottom:25px}.field-label{display:block;font-weight:700;margin-bottom:8px}.field-input{width:100%;max-width:440px;min-height:52px;padding:12px 14px;background:white;color:var(--ink);border:1px solid #9aafaa;border-radius:3px}.field-input.small{max-width:230px}.field-row{display:flex;gap:15px;flex-wrap:wrap}.field-row>div{flex:1;min-width:180px}.choice-list{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:11px}.choice{display:block;cursor:pointer}.choice input{position:absolute;opacity:0}.choice span{display:flex;min-height:56px;align-items:center;padding:12px 16px;border:1px solid #aebebb;background:#fff;border-radius:3px;font-weight:700;line-height:1.35}.choice input:checked+span{background:var(--teal-light);border:2px solid var(--teal);padding:11px 15px}.choice input:focus-visible+span{outline:3px solid #d99741;outline-offset:2px}.tool-actions{display:flex;justify-content:space-between;align-items:center;gap:16px;margin-top:50px}.button-quiet{background:transparent;color:var(--ink);border:0;padding:12px 0;font-weight:700}.button-quiet:hover{text-decoration:underline}.form-error{color:#a13d2a;font-weight:700;margin:16px 0 0}.tool-aside{padding:18px 0;color:var(--muted)}.tool-aside h2{color:var(--ink);font-size:2rem}.aside-rule{border-top:1px solid var(--line);padding-top:22px;display:grid;gap:8px}.aside-rule strong{color:var(--ink)}.result-header{background:var(--deep);padding:30px 35px;color:white}.result-header .eyebrow{color:var(--orange)}.result-header h2{font-size:2.2rem;margin:8px 0}.result-header p{margin:0;color:#cfdfdc}.result-summary{padding:24px 30px;background:var(--teal-light);border:1px solid #b6d5c9}.result-list{display:grid;gap:15px;margin-top:15px}.result-card{background:var(--paper);border:1px solid var(--line);padding:25px 29px}.result-card .rank{display:inline-block;font-size:.76rem;letter-spacing:.13em;font-weight:800;color:var(--teal);margin-bottom:9px}.result-card h3{margin:0 0 12px}.result-card dl{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px 28px;margin:0}.result-card dt{font-size:.75rem;letter-spacing:.08em;text-transform:uppercase;font-weight:800;color:var(--muted)}.result-card dd{margin:3px 0 0;line-height:1.5}.result-card .next-step{grid-column:1/-1;border-top:1px solid var(--line);padding-top:15px}.result-controls{display:flex;gap:15px;align-items:center;flex-wrap:wrap;margin-top:20px}.notice{background:#e7efe8;border-left:4px solid var(--teal);padding:17px 23px;display:flex;gap:18px;align-items:start;line-height:1.5}.notice strong{flex:none}.rebate-list{display:grid;gap:12px;margin-top:26px}.rebate-card{display:grid;grid-template-columns:110px 1fr;gap:25px;background:var(--paper);border:1px solid var(--line);padding:24px 28px}.region{font:800 1.28rem var(--display);color:var(--teal)}.rebate-card h2{font-size:1.3rem;letter-spacing:-.025em;margin:0 0 8px}.rebate-card p{color:var(--muted);margin-bottom:14px}.source-meta{display:flex;gap:10px 30px;flex-wrap:wrap;font-size:.85rem;color:var(--muted);margin-bottom:12px}.rebate-card a{font-weight:800;color:var(--teal)}.source-foot{font-size:.85rem;color:var(--muted);margin:22px 0}.calculator-tabs{display:flex;gap:5px;overflow:auto;border-bottom:1px solid var(--line)}.tab{border:0;background:transparent;padding:17px 20px;font-weight:800;color:var(--muted);white-space:nowrap;border-bottom:3px solid transparent}.tab.active{color:var(--teal);border-color:var(--teal)}.calculator-panel{display:grid;grid-template-columns:1.1fr .9fr;border:1px solid var(--line);background:var(--paper);margin-top:18px}.calc-inputs,.calc-output{padding:clamp(24px,4vw,44px)}.calc-inputs h2,.calc-output h2{font-size:1.7rem}.calc-fields{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px;margin:28px 0}.calc-fields label{display:block;font-weight:700;font-size:.9rem}.calc-fields input,.calc-fields select{display:block;width:100%;border:1px solid #aabcb7;background:white;color:var(--ink);padding:12px;margin-top:7px;min-height:48px}.calc-output{background:var(--deep);color:white}.calc-output .eyebrow{color:var(--orange)}.calc-big{font:800 clamp(2.2rem,4vw,3.7rem)/1.1 var(--display);letter-spacing:-.04em;margin:12px 0}.calc-output p,.calc-output li{color:#d5e4e1}.calc-output ul{padding-left:19px}.calc-note{font-size:.86rem;color:var(--muted)}.editorial-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:15px}.editorial-card{background:var(--paper);border:1px solid var(--line);padding:32px;min-height:330px}.editorial-card h2{font-size:1.55rem;margin:10px 0}.editorial-card strong{display:block;margin-bottom:14px;color:var(--teal)}.editorial-card p{color:var(--muted)}.editorial-card .text-link{display:inline-block;margin-top:5px}.choices-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:15px}.choice-card{background:var(--paper);border:1px solid var(--line);padding:29px}.choice-card h2{font-size:1.6rem;margin:25px 0 14px}.choice-card p{color:var(--muted)}.pill{display:inline-block;padding:7px 10px;font-size:.74rem;font-weight:800;letter-spacing:.08em}.considering{background:#dcece1;color:#286448}.save{background:#f8e5d9;color:#9a4927}.choice-note{border-top:1px solid var(--line);padding-top:16px;font-size:.9rem}.disclosure{border-top:1px solid var(--line);padding-block:30px 100px;display:grid;grid-template-columns:240px 1fr;gap:40px}.disclosure p:last-child{max-width:760px;color:var(--muted)}.impact-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:15px}.impact-grid>div{background:var(--paper);border:1px solid var(--line);padding:28px;min-height:190px}.impact-grid span{font-weight:800}.impact-grid strong{display:block;font:800 2rem var(--display);letter-spacing:-.04em;color:var(--teal);margin:22px 0 6px}.impact-grid p{color:var(--muted);font-size:.9rem}.impact-notice{margin-top:18px}.about-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:80px;align-items:start}.prose{max-width:640px}.prose h2{font-size:1.8rem;margin:4px 0 20px}.prose h2:not(:first-child){margin-top:45px}.prose p{font-size:1.1rem;color:var(--muted)}.quote-panel{background:var(--deep);color:white;padding:38px}.quote-panel .eyebrow{color:var(--orange)}.quote-panel blockquote{font:700 1.75rem/1.3 var(--display);letter-spacing:-.035em;margin:30px 0}.quote-panel a{color:white;font-weight:800}.site-footer{background:var(--deep);color:#e8f0ec}.footer-top{padding:65px 0;display:flex;justify-content:space-between;gap:35px}.footer-brand .brand-mark{color:#a7d9c8}.footer-top p{margin:22px 0 0;font-family:var(--display);font-weight:700;font-size:1.2rem}.footer-links{display:grid;grid-template-columns:1fr 1fr;gap:12px 45px;align-content:start}.footer-links a{text-decoration:none}.footer-links a:hover{text-decoration:underline}.footer-bottom{border-top:1px solid #3d5960;display:flex;gap:30px;justify-content:space-between;padding:24px 0;font-size:.8rem;color:#b5c7c4}.footer-bottom span:last-child{max-width:640px;text-align:right}
@media(max-width:1030px){.header-inner{min-height:78px}.menu-toggle{display:block}nav{display:none;position:absolute;top:100%;left:0;right:0;background:var(--cream);border-bottom:1px solid var(--line);padding:14px 24px 25px;box-shadow:0 12px 20px #17343b18}nav.open{display:grid;grid-template-columns:repeat(2,1fr)}nav a{font-size:1rem}.hero{min-height:auto}.hero-photo{height:390px}.choices-grid{grid-template-columns:1fr 1fr}}
@media(max-width:760px){.wrap{width:min(100% - 32px,1200px)}.hero{grid-template-columns:1fr;gap:36px;padding-block:54px 66px}.hero h1{font-size:clamp(2.65rem,10vw,4.4rem)}.hero-photo{height:320px;border-radius:125px 125px 5px 5px}.promise-grid{grid-template-columns:1fr;gap:10px}.promise-band{padding:35px 0}.promise-band .eyebrow{padding:0}.section{padding-block:65px}.feature-grid,.tool-layout,.editorial-grid,.choices-grid,.about-grid{grid-template-columns:1fr}.feature{min-height:240px}.feature h3{margin-top:30px}.split-note{grid-template-columns:1fr;gap:15px}.page-intro{padding-block:50px 35px}.tool-layout{gap:22px;padding-bottom:70px}.tool-aside{order:-1;background:#e9eee8;padding:23px}.tool-aside h2{font-size:1.45rem}.tool-aside .aside-rule{display:none}.calculator-panel{grid-template-columns:1fr}.calc-output{min-height:260px}.disclosure{grid-template-columns:1fr;gap:0}.rebate-card{grid-template-columns:70px 1fr;gap:14px}.footer-top{display:block}.footer-links{margin-top:40px}.footer-bottom{display:block}.footer-bottom span{display:block;margin-bottom:10px}.footer-bottom span:last-child{text-align:left}.impact-grid{grid-template-columns:1fr}}
@media(max-width:480px){.brand-mark{font-size:2.25rem}.brand-name{font-size:.65rem}.hero-actions{align-items:stretch;gap:17px}.hero-actions .button{width:100%}.choice-list,.calc-fields,.result-card dl{grid-template-columns:1fr}.tool-shell{padding:22px}.tool-actions{margin-top:34px}.notice{display:block}.notice strong{display:block;margin-bottom:5px}.rebate-card{display:block}.region{display:block;margin-bottom:10px}.source-meta{display:grid}.result-card{padding:22px}.result-header{padding:24px}.result-card .next-step{grid-column:1}.calculator-tabs{margin-inline:-16px}.tab{padding:15px 14px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}
.policy-prose{max-width:780px}.policy-prose h2{margin-top:34px}.policy-prose h2:first-child{margin-top:0}.policy-prose a{color:var(--teal);font-weight:700}.contact-placeholder{background:var(--paper);border:1px solid var(--line);padding:20px 24px}.affiliate-label{font-size:.78rem;font-weight:800;letter-spacing:.04em;text-transform:uppercase;white-space:nowrap;color:var(--teal)}