:root{color-scheme:light;--navy:#102d3a;--ink:#183843;--muted:#526771;--teal:#006d66;--bright:#b5edce;--paper:#fff;--soft:#f0f5f6;--line:#cbd8dc;--warm:#f6f1e8;--shadow:0 18px 44px #112d3910;--radius:18px;--max:1200px;--display:Georgia,'Times New Roman',serif;--body:Inter,Arial,Helvetica,sans-serif}
*{box-sizing:border-box}html{scroll-padding-top:110px;scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font:1rem/1.65 var(--body);-webkit-font-smoothing:antialiased}body.dark{color-scheme:dark;--ink:#e5f0f4;--muted:#b5c7cd;--paper:#102630;--soft:#183540;--line:#46616b;--warm:#233a3e;--teal:#9de1c9;--shadow:none}a{color:var(--teal);text-underline-offset:4px}a:hover{text-decoration-thickness:2px}button,input,select{font:inherit}button,a,input,select,summary{-webkit-tap-highlight-color:transparent}button{cursor:pointer}button:disabled{cursor:not-allowed;opacity:.5}button:focus-visible,a:focus-visible,summary:focus-visible,input:focus-visible,select:focus-visible{outline:3px solid #c46c14;outline-offset:4px}img{display:block;max-width:100%;height:auto}h1,h2,h3,h4{line-height:1.14;margin:0 0 1rem;letter-spacing:-.025em;color:var(--ink)}h1,h2{font-family:var(--display);font-weight:500}h1{font-size:clamp(2.8rem,4.7vw,4.8rem)}h2{font-size:clamp(2rem,3vw,3rem)}h3{font-size:1.22rem;line-height:1.3;font-weight:700}p{margin:0 0 1.15rem}ul,ol{padding-left:1.4rem}li+li{margin-top:.5rem}section{scroll-margin-top:110px}[hidden]{display:none!important}.wrap{max-width:var(--max);margin:auto;padding:0 30px}.skip{position:fixed;left:12px;top:-80px;z-index:99;background:var(--paper);padding:14px}.skip:focus{top:12px}.eyebrow{display:block;text-transform:uppercase;letter-spacing:.13em;font-size:.76rem;font-weight:700;color:var(--teal);margin-bottom:18px}.lead{font-size:1.17rem;line-height:1.65;color:var(--muted)}.fine{font-size:.88rem;color:var(--muted)}.muted{color:var(--muted)}.btn{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:12px 22px;background:var(--teal);color:var(--paper);font-weight:700;font-size:.95rem;border:1px solid var(--teal);border-radius:7px;text-decoration:none;line-height:1.35;gap:8px}.btn:hover{filter:brightness(.94);text-decoration:none}.btn.secondary{background:transparent;color:var(--ink);border-color:var(--line)}.btn.small{min-height:44px;padding:10px 18px}.actions{display:flex;gap:12px;align-items:center;flex-wrap:wrap;margin:24px 0}.site-header{position:sticky;top:0;z-index:30;background:var(--paper);border-bottom:1px solid var(--line)}.nav-wrap{display:flex;align-items:center;gap:22px;min-height:88px}.brand{display:flex;gap:10px;align-items:center;text-decoration:none;color:var(--ink);font-size:1.24rem;font-weight:750;letter-spacing:-.04em;white-space:nowrap}.brand img{width:43px;height:43px;object-fit:contain}.dark .brand img{background:#fff;border-radius:8px}.brand small{font-size:.8em;font-weight:400}.site-nav{display:flex;gap:24px;align-items:center;margin-left:auto}.site-nav a{font-size:.94rem;font-weight:600;text-decoration:none;color:var(--ink);padding:12px 0}.site-nav 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0}.section.soft{background:var(--soft)}.section-head{display:flex;justify-content:space-between;align-items:end;gap:35px;margin-bottom:34px}.section-head h2{max-width:680px;margin:0}.section-head p{max-width:380px;color:var(--muted);margin:0}.grid{display:grid;gap:22px}.cols-3{grid-template-columns:repeat(3,minmax(0,1fr))}.cols-2{grid-template-columns:repeat(2,minmax(0,1fr))}.card{border:1px solid var(--line);border-radius:var(--radius);padding:27px;background:var(--paper)}.card p:last-child{margin-bottom:0}.card-num{display:block;font-size:.8rem;color:var(--teal);font-weight:700;letter-spacing:.1em;margin-bottom:23px}.card-link{color:var(--ink);text-decoration:none}.card-link:hover h3{text-decoration:underline;text-decoration-color:var(--teal);text-underline-offset:4px}.card p{color:var(--muted)}.card .text-link{font-size:.94rem;font-weight:700;color:var(--teal);display:block;margin-top:22px}.split{display:grid;grid-template-columns:.9fr 1.1fr;gap:65px;align-items:start}.list-rows{border-top:1px solid var(--line)}.list-row{padding:22px 0;border-bottom:1px solid var(--line);display:grid;grid-template-columns:40px 1fr;gap:15px}.list-row .num{color:var(--teal);font-size:.85rem;padding-top:2px}.list-row h3{margin-bottom:6px}.list-row p{margin:0;color:var(--muted)}.cta-panel{background:var(--navy);color:#e6f4f7;border-radius:22px;padding:46px 52px;display:grid;grid-template-columns:1.7fr 1fr;align-items:center;gap:36px}.cta-panel h2{color:#fff;font-size:2.4rem}.cta-panel p{color:#d1e1e7;margin:0}.cta-panel .btn{background:#b5edce;color:#102d3a;border-color:#b5edce}.cta-panel .actions{justify-content:flex-end}.breadcrumbs{padding-top:28px;font-size:.83rem;color:var(--muted)}.breadcrumbs ol{display:flex;list-style:none;padding:0;margin:0;flex-wrap:wrap;gap:8px}.breadcrumbs li+li{margin:0}.breadcrumbs li:not(:last-child)::after{content:'/';color:var(--muted);margin-left:8px}.breadcrumbs 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.brand{margin-bottom:18px}.footer-grid h2{font:700 .85rem var(--body);letter-spacing:.08em;text-transform:uppercase;margin:0 0 18px}.footer-links a{display:block;margin:8px 0;color:var(--ink);font-size:.94rem}.footer-base{border-top:1px solid var(--line);margin-top:32px;padding-top:23px;font-size:.8rem;color:var(--muted)}.footer-base p{margin-bottom:8px}.mobile-cta{display:none}.check-layout{display:grid;grid-template-columns:1fr 285px;gap:38px}.check-shell{border:1px solid 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@media(min-width:981px){.site-nav[hidden]{display:flex!important}}
@media(max-width:1100px){.site-nav{gap:17px}.brand{font-size:1.13rem}.nav-wrap{gap:15px}.hero-grid{gap:35px}.article-layout{gap:35px;grid-template-columns:minmax(0,1fr) 260px}}
@media(max-width:980px){.site-nav{display:none;position:absolute;top:100%;left:0;right:0;padding:18px 30px;background:var(--paper);border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;gap:0}.site-nav.is-open{display:flex}.menu-toggle{display:block}.hero h1{font-size:3.4rem}.hero-grid{gap:30px}.hero-visual>img{border-top-left-radius:80px}.article-layout{grid-template-columns:1fr}.article-aside{position:static}.article-aside .card{display:block}.split{gap:35px}.check-layout{grid-template-columns:1fr}.check-aside{display:none}.profile-grid{grid-template-columns:1fr 1fr}.state-list{grid-template-columns:repeat(3,1fr)}}
@media(max-width:700px){html{scroll-padding-top:91px}.wrap{padding:0 21px}.nav-wrap{min-height:74px;gap:10px}.brand{font-size:1.04rem;gap:6px}.brand img{width:34px;height:34px}.header-tools{gap:7px}.header-tools .btn{padding:10px 12px;font-size:.85rem;min-height:42px}.theme-toggle{display:none}.menu-toggle{width:40px;height:42px}.hero{padding:35px 0 40px}.hero-grid{grid-template-columns:1fr;gap:34px}.hero h1{font-size:clamp(2.65rem,10vw,3.6rem);max-width:580px}.hero .lead{font-size:1.08rem}.hero-visual>img{aspect-ratio:1.48;border-top-left-radius:70px}.hero-visual{max-width:550px;padding-bottom:24px}.hero-note{left:16px;right:16px;padding:16px 18px}.hero-note strong{font-size:.97rem}.intro-strip .wrap{grid-template-columns:1fr;gap:17px}.intro-strip p{padding-left:16px}.section{padding:49px 0}.section-head{display:block;margin-bottom:26px}.section-head p{margin-top:18px}.cols-3,.cols-2,.split{grid-template-columns:1fr}.card{padding:24px}.card-num{margin-bottom:16px}.cta-panel{grid-template-columns:1fr;padding:29px 25px;gap:18px}.cta-panel h2{font-size:2rem}.cta-panel .actions{justify-content:flex-start;margin:7px 0}.breadcrumbs{padding-top:21px}.page-head{padding:28px 0 25px}.page-head h1{font-size:2.55rem}.page-head .lead{font-size:1.06rem}.article-body h2{font-size:1.8rem}.article-layout{gap:25px}.footer-grid{grid-template-columns:1fr;gap:24px}.site-footer{padding-top:39px;padding-bottom:96px}.footer-grid .brand{font-size:1.24rem}.mobile-cta{position:fixed;bottom:0;left:0;right:0;z-index:25;background:var(--paper);border-top:1px solid var(--line);padding:10px 18px calc(10px + env(safe-area-inset-bottom));display:flex;align-items:center;justify-content:space-between;gap:14px}.mobile-cta span{font-size:.87rem;font-weight:700;line-height:1.3}.mobile-cta .btn{min-height:44px;padding:10px 22px}.check-shell{padding:23px 19px}.check-meta{font-size:.8rem}.check-meta span:last-child{display:none}legend{font-size:1.65rem}.profile-grid{grid-template-columns:1fr}.result-summary{gap:8px}.result-stat{padding:13px 9px}.result-stat b{font-size:1.75rem}.result-stat span{font-size:.76rem}.state-list{grid-template-columns:1fr 1fr}.hero-proof{gap:10px 18px}.body-section{padding-bottom:42px}.article-aside{margin-top:15px}body{padding-bottom:0}.actions .btn{flex-shrink:0}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{animation:none!important;transition:none!important}}
@media print{body,body.dark{--ink:#000;--muted:#333;--paper:#fff;--soft:#f6f6f6;color:#000;background:#fff;font-size:10.5pt}.site-header,.site-footer,.mobile-cta,.breadcrumbs,.article-aside,.check-aside,.no-print,.btn,.print-button{display:none!important}.wrap{max-width:none;padding:0}.page-head{padding:15px 0}.page-head h1{font-size:26pt}.article-layout,.check-layout{display:block}.check-shell{padding:0;border:0}.section{padding:20px 0}.result-card,.card{break-inside:avoid}.result-summary{display:flex}.result-stat{flex:1}.print-only{display:block}.result-actions li{break-inside:avoid}a{color:#000}.body-section{padding:0}}
@media(max-width:420px){.header-tools>.btn{display:none}.hero-note .line{display:block}.hero-note .pill{margin-top:9px}.hero-visual{padding-bottom:52px}.hero-note{bottom:0}.hero .actions{gap:10px}.hero .actions .btn{font-size:.87rem;padding:12px 15px}.brand{font-size:1.12rem}.result-summary{grid-template-columns:1fr}.result-stat{display:flex;align-items:center;gap:14px}.result-stat b{min-width:28px}.result-stat span{font-size:.85rem}}
/* Consolidated discovery tools: search, glossary and guide navigation. */
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@media(max-width:700px){.search-form{flex-wrap:wrap}.search-form .field{flex-basis:100%}.question-preview ol{columns:1}.question-preview{padding:0 20px 18px}.guide-toc{padding:19px}.glossary dt{scroll-margin-top:92px}}
@media print{.guide-toc,.glossary-jump,.search-form,.guide-tools{display:none!important}}

/* Quote form begins loading with the page; no extra start button or fixed-height clipping. */
.quote-head{padding-top:24px;padding-bottom:12px}.quote-head h1{font-size:clamp(2rem,5vw,3rem)}
.quote-head .lead{max-width:720px;margin-bottom:0}.quote-form-section>h2{margin-top:10px}
#quote-form{scroll-margin-top:110px}.quote-fallback{font-size:.94rem;line-height:1.6}
.quote-iframe{display:block;width:100%;max-width:100%;min-width:0;min-height:539px;border:0;background:#fff;color-scheme:light;margin:18px 0}
@media(max-width:700px){.quote-head{padding-top:16px;padding-bottom:8px}.quote-head h1{font-size:2rem}.quote-fallback{font-size:.9rem}#quote-form{scroll-margin-top:92px}}
@media print{.quote-iframe{display:none}}