:root {
  --navy: #0f2841;
  --navy-light: #1c3d5f;
  --blue: #2563eb;
  --blue-light: #eff6ff;
  --gold: #c8952e;
  --gold-light: #f3e4c8;
  --gray-50: #f8f9fb;
  --gray-100: #eef1f5;
  --gray-300: #cbd3dd;
  --gray-600: #5a6472;
  --gray-900: #16202c;
  --border: #e2e6ec;
  --radius: 10px;
  --font-serif: "Newsreader", Georgia, "Times New Roman", serif;
  --shadow-sm: 0 1px 2px rgba(15,40,65,.06);
  --shadow-md: 0 4px 16px rgba(15,40,65,.08);
  --shadow-lg: 0 12px 32px rgba(15,40,65,.12);
}

* { box-sizing: border-box; }

body {
  margin: 0;
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  color: var(--gray-900);
  background: #fff;
  line-height: 1.6;
}

h1, h2, h3, .logo, .stat-tile .stat-number, .qa-number {
  font-family: var(--font-serif);
  font-optical-sizing: auto;
}

.icon {
  display: inline-block;
  width: 1em;
  height: 1em;
  vertical-align: -0.15em;
  fill: none;
  stroke: currentColor;
  stroke-width: 1.8;
  stroke-linecap: round;
  stroke-linejoin: round;
}

a { color: var(--blue); text-decoration: none; }
a:hover { text-decoration: underline; }
img { max-width: 100%; display: block; }

.wrap { max-width: 1100px; margin: 0 auto; padding: 0 20px; }
.wrap-narrow { max-width: 760px; margin: 0 auto; padding: 0 20px; }

/* Header */
header.site {
  background: var(--navy);
  border-bottom: 3px solid var(--gold);
}
header.site .wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-top: 16px;
  padding-bottom: 16px;
  flex-wrap: wrap;
  gap: 12px;
}
.logo {
  font-size: 1.5rem;
  font-weight: 700;
  font-style: italic;
  color: #fff;
  letter-spacing: -0.01em;
}
.logo span { color: var(--gold); }
nav.main a {
  color: #cfd9e6;
  margin-left: 22px;
  font-size: 0.95rem;
  font-weight: 600;
}
nav.main a:hover { color: #fff; text-decoration: none; }

/* Hero */
.hero {
  position: relative;
  background:
    radial-gradient(ellipse 900px 500px at 88% -10%, rgba(200,149,46,.16), transparent 60%),
    linear-gradient(180deg, var(--navy) 0%, var(--navy-light) 100%);
  color: #fff;
  padding: 60px 0 68px;
  overflow: hidden;
}
.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image: radial-gradient(rgba(255,255,255,.14) 1px, transparent 1px);
  background-size: 22px 22px;
  mask-image: linear-gradient(120deg, rgba(0,0,0,.9) 0%, transparent 55%);
  -webkit-mask-image: linear-gradient(120deg, rgba(0,0,0,.9) 0%, transparent 55%);
  pointer-events: none;
}
.hero .wrap { position: relative; }
.hero h1 {
  font-size: 2.7rem;
  font-weight: 600;
  line-height: 1.18;
  margin: 0 0 16px;
  max-width: 720px;
}
.hero p.lead {
  font-size: 1.15rem;
  color: #cfd9e6;
  max-width: 620px;
  margin: 0 0 28px;
}
.hero-badges { display: flex; gap: 18px; flex-wrap: wrap; margin-top: 8px; }
.hero-badges span {
  font-size: 0.85rem;
  color: #cfd9e6;
  display: flex;
  align-items: center;
  gap: 7px;
}
.hero-badges .icon { color: var(--gold); flex-shrink: 0; }

/* Sections */
main { display: block; }
section { padding: 48px 0; }
section.alt { background: var(--gray-50); }
h2.section-title {
  font-size: 1.9rem;
  font-weight: 600;
  margin: 0 0 8px;
  color: var(--navy);
}
p.section-sub {
  color: var(--gray-600);
  margin: 0 0 32px;
  max-width: 620px;
}

/* State grid */
.state-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(200px, 1fr));
  gap: 14px;
}
.state-card {
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 20px;
  background: #fff;
  box-shadow: var(--shadow-sm);
  transition: box-shadow .18s, transform .18s, border-color .18s;
}
.state-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-3px); border-color: var(--gold); }
.state-card .card-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 36px;
  height: 36px;
  border-radius: 8px;
  background: var(--blue-light);
  color: var(--blue);
  margin-bottom: 10px;
}
.state-card .card-icon .icon { width: 20px; height: 20px; }
.state-card h3 { margin: 0 0 4px; font-size: 1.1rem; font-weight: 600; color: var(--navy); }
.state-card p { margin: 0; font-size: 0.88rem; color: var(--gray-600); }
.state-card .tag {
  display: inline-block;
  margin-top: 10px;
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .04em;
  color: var(--blue);
  background: var(--blue-light);
  padding: 3px 8px;
  border-radius: 5px;
}
.state-card.soon { opacity: .55; }
.state-card.soon .tag { color: var(--gray-600); background: var(--gray-100); }

.state-card .guide-links { list-style: none; margin: 10px 0 0; padding: 0; }
.state-card .guide-links li { margin-bottom: 6px; }
.state-card .guide-links a {
  font-size: 0.88rem;
  font-weight: 600;
  display: block;
}
.state-card .guide-links .tag { margin-top: 2px; }

/* Trust strip */
.trust-strip {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 24px;
}
.trust-item { padding: 4px; }
.trust-item .card-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  border-radius: 10px;
  background: var(--navy);
  color: var(--gold);
  margin-bottom: 14px;
  box-shadow: var(--shadow-sm);
}
.trust-item .card-icon .icon { width: 22px; height: 22px; }
.trust-item h3 { color: var(--navy); margin: 0 0 6px; font-size: 1.1rem; font-weight: 600; }
.trust-item p { margin: 0; color: var(--gray-600); font-size: 0.92rem; }

/* Article */
article.post { padding: 40px 0 64px; }
.post-meta {
  color: var(--gray-600);
  font-size: 0.88rem;
  margin-bottom: 10px;
}
.post h1 {
  font-size: 2.2rem;
  font-weight: 600;
  line-height: 1.22;
  color: var(--navy);
  margin: 0 0 14px;
}
.post .dek {
  font-family: var(--font-serif);
  font-style: italic;
  font-size: 1.2rem;
  color: var(--gray-600);
  margin-bottom: 28px;
}
.byline {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 14px 16px;
  background: var(--gray-50);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  margin-bottom: 32px;
  font-size: 0.9rem;
}
.byline strong { color: var(--navy); }
.post h2 {
  color: var(--navy);
  font-size: 1.55rem;
  font-weight: 600;
  margin: 36px 0 14px;
}
.post h3 {
  color: var(--navy-light);
  font-weight: 600;
  font-size: 1.2rem;
  margin: 26px 0 10px;
}
.post p { margin: 0 0 16px; color: var(--gray-900); }
.post ul, .post ol { margin: 0 0 16px; padding-left: 22px; }
.post li { margin-bottom: 8px; }

table.rate-table {
  width: 100%;
  border-collapse: separate;
  border-spacing: 0;
  margin: 20px 0 28px;
  font-size: 0.92rem;
  border-radius: 8px;
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--border);
}
table.rate-table th, table.rate-table td {
  border-bottom: 1px solid var(--border);
  padding: 11px 14px;
  text-align: left;
}
table.rate-table tr:last-child td { border-bottom: none; }
table.rate-table th { background: var(--navy); color: #fff; font-weight: 600; }
table.rate-table tr:nth-child(even) { background: var(--gray-50); }

.callout {
  background: var(--blue-light);
  border-left: 4px solid var(--blue);
  border-radius: 6px;
  padding: 16px 18px;
  margin: 24px 0;
  font-size: 0.95rem;
  box-shadow: var(--shadow-sm);
}
.callout strong { color: var(--navy); }

.data-chart {
  margin: 24px 0 8px;
  padding: 18px 20px 10px;
  background: var(--gray-50);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow-sm);
}
.data-chart svg { display: block; width: 100%; height: auto; }

.stat-tile {
  display: inline-flex;
  flex-direction: column;
  gap: 4px;
  margin: 20px 0 8px;
  padding: 20px 28px;
  background: var(--gray-50);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow-sm);
}
.stat-tile .stat-number { font-size: 2.2rem; font-weight: 700; color: var(--navy); line-height: 1; }
.stat-tile .stat-label { font-size: 0.85rem; color: var(--gray-600); font-weight: 600; }

.quick-answer {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
  margin: 4px 0 28px;
}
.quick-answer .qa-tile {
  padding: 16px 14px;
  background: linear-gradient(160deg, var(--navy) 0%, var(--navy-light) 100%);
  border-radius: var(--radius);
  text-align: center;
  box-shadow: var(--shadow-md);
}
.quick-answer .qa-number { display: block; font-family: var(--font-serif); font-size: 1.6rem; font-weight: 700; color: #fff; line-height: 1.1; }
.quick-answer .qa-label { display: block; margin-top: 4px; font-size: 0.72rem; font-weight: 700; text-transform: uppercase; letter-spacing: .03em; color: var(--gold); }
@media (max-width: 640px) {
  .quick-answer { grid-template-columns: 1fr; }
}

.deep-dive {
  margin: 32px 0;
  padding: 20px 22px;
  background: #fff;
  border: 1px solid var(--border);
  border-left: 4px solid var(--gold);
  border-radius: var(--radius);
  box-shadow: var(--shadow-md);
}
.deep-dive h2, .deep-dive h3 { margin-top: 0; }
.deep-dive table.rate-table { margin-bottom: 8px; }

.sources {
  margin-top: 40px;
  padding-top: 20px;
  border-top: 1px solid var(--border);
  font-size: 0.85rem;
  color: var(--gray-600);
}
.sources h2 { font-size: 1rem; color: var(--navy); margin-bottom: 10px; }
.sources ol { padding-left: 20px; }
.sources li { margin-bottom: 6px; }

.faq-item { border-bottom: 1px solid var(--border); padding: 16px 0; }
.faq-item h3 { margin: 0 0 8px; font-size: 1.02rem; }
.faq-item p { margin: 0; color: var(--gray-600); }

/* Footer */
footer.site {
  background: var(--navy);
  color: #cfd9e6;
  padding: 40px 0 28px;
  margin-top: 40px;
  font-size: 0.88rem;
}
footer.site .cols {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 24px;
  margin-bottom: 24px;
}
footer.site h4 { color: #fff; font-size: 0.85rem; margin: 0 0 10px; text-transform: uppercase; letter-spacing: .04em; }
footer.site a { color: #cfd9e6; }
footer.site .legal-note {
  border-top: 1px solid rgba(255,255,255,.12);
  padding-top: 18px;
  font-size: 0.8rem;
  color: #9fb0c3;
}
footer.site .bottom {
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 14px;
  font-size: 0.8rem;
  color: #9fb0c3;
}

/* Mobile menu */
.menu-toggle { display: none; }

@media (max-width: 720px) {
  .hero h1 { font-size: 1.8rem; }
  nav.main {
    display: none;
    width: 100%;
    flex-direction: column;
    padding-top: 10px;
  }
  nav.main.open { display: flex; }
  nav.main a { margin: 8px 0; }
  .menu-toggle {
    display: inline-flex;
    background: none;
    border: 1px solid rgba(255,255,255,.3);
    color: #fff;
    border-radius: 6px;
    padding: 6px 10px;
    font-size: 0.9rem;
    cursor: pointer;
  }
  header.site .wrap { align-items: center; }
}