:root{--ink:#132235;--navy:#12355b;--navy2:#0d2744;--teal:#0a7c76;--teal-d:#066660;--teal-l:#e6f4f2;--gold:#f0b23b;--gold-l:#fff6e0;--bg:#f5f7fa;--card:#fff;--line:#dbe2ea;--muted:#56657a;--err:#b42318;--ok:#106b3a;--r:12px}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font:17px/1.6 system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;color:var(--ink);background:var(--bg)}
a{color:var(--teal-d);text-underline-offset:2px}
a:hover{color:var(--navy)}
:focus-visible{outline:3px solid var(--gold);outline-offset:2px;border-radius:4px}
h1,h2,h3{line-height:1.22;color:var(--navy2);letter-spacing:-.01em}
h1{font-size:clamp(1.75rem,4.6vw,2.55rem);margin:.2em 0 .45em}
h2{font-size:clamp(1.3rem,3vw,1.6rem);margin:1.8em 0 .5em}
h3{font-size:1.12rem;margin:1.4em 0 .35em}
p,ul,ol{margin:0 0 1em}
li{margin:.25em 0}
img,svg{max-width:100%}
.skip{position:absolute;left:-999px;top:0;background:#fff;padding:8px 12px;z-index:9}
.skip:focus{left:8px}
.wrap{max-width:1160px;margin:0 auto;padding:0 18px}
.site-h{background:#fff;border-bottom:1px solid var(--line)}
.site-h .wrap{display:flex;align-items:center;gap:14px;min-height:62px;flex-wrap:wrap}
.brand{display:flex;align-items:center;gap:9px;text-decoration:none;color:var(--navy2);font-weight:800;font-size:1.18rem;letter-spacing:-.02em}
.brand svg{width:32px;height:32px;flex:none}
.brand b{color:var(--teal)}
.nav{display:flex;gap:4px;margin-left:auto;align-items:center;overflow-x:auto;-webkit-overflow-scrolling:touch;scrollbar-width:none}
.nav::-webkit-scrollbar{display:none}
.nav a{white-space:nowrap;text-decoration:none;color:var(--ink);padding:8px 10px;border-radius:8px;font-size:.95rem;font-weight:600}
.nav a:hover,.nav a[aria-current]{background:var(--teal-l);color:var(--teal-d)}
.nav a.cta{background:var(--teal);color:#fff;margin-left:4px}
.nav a.cta:hover{background:var(--teal-d);color:#fff}
a.hcta{order:3;white-space:nowrap;text-decoration:none;background:var(--teal);color:#fff;padding:8px 12px;border-radius:8px;font-size:.95rem;font-weight:700}
a.hcta:hover{background:var(--teal-d);color:#fff}
.nav{order:2}
@media (max-width:760px){.site-h .wrap{gap:4px 8px;padding-top:8px;justify-content:space-between}.brand{order:1}a.hcta{order:2;padding:7px 10px;font-size:.88rem}.nav{order:3;width:calc(100% + 36px);margin:0 -18px 0;padding:0 12px 8px;flex-wrap:nowrap;overflow-x:auto;gap:2px;-webkit-mask-image:linear-gradient(90deg,#000 88%,transparent);mask-image:linear-gradient(90deg,#000 88%,transparent)}.nav a{padding:6px 8px;font-size:.9rem}}
.crumbs{font-size:.86rem;color:var(--muted);margin:18px 0 0;padding:0;list-style:none;display:flex;flex-wrap:wrap;gap:4px}
.crumbs li:not(:last-child)::after{content:"›";margin-left:6px;color:#9aa6b4}
.crumbs a{color:var(--muted)}
main{display:block;padding-bottom:40px}
.layout{display:grid;gap:34px;grid-template-columns:minmax(0,1fr)}
@media (min-width:1020px){.layout.has-aside{grid-template-columns:minmax(0,1fr) 340px}.aside-in{position:sticky;top:16px}}
.prose{max-width:760px}
.meta{font-size:.9rem;color:var(--muted);margin:-.2em 0 1.2em}
.answer{background:#fff;border:1px solid var(--line);border-left:5px solid var(--teal);border-radius:var(--r);padding:16px 18px;margin:0 0 1.4em;font-size:1.04rem}
.answer p:last-child{margin:0}
.answer .lbl{display:block;font-size:.78rem;text-transform:uppercase;letter-spacing:.08em;color:var(--teal-d);font-weight:800;margin-bottom:4px}
.box{background:var(--gold-l);border:1px solid #f1d58f;border-radius:var(--r);padding:16px 18px 6px;margin:1.6em 0}
.box h2,.box h3{margin-top:0;font-size:1.12rem}
.box.teal{background:var(--teal-l);border-color:#b7dfda}
.note{background:#eef2f7;border-radius:10px;padding:12px 14px;font-size:.93rem;color:#2f3f53}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:18px}
.grid{display:grid;gap:14px;grid-template-columns:repeat(auto-fill,minmax(250px,1fr))}
.grid .card h3{margin:0 0 .3em;font-size:1.06rem}
.grid .card p{margin:0;color:var(--muted);font-size:.95rem}
a.card{text-decoration:none;color:inherit;display:block;transition:border-color .15s,box-shadow .15s}
a.card:hover{border-color:var(--teal);box-shadow:0 2px 10px rgba(10,124,118,.12)}
a.card h3{color:var(--teal-d)}
.hero{background:linear-gradient(160deg,#0f3157,#0a5a63);color:#fff;padding:38px 0 34px}
.hero h1{color:#fff;max-width:820px}
.hero p{max-width:760px;font-size:1.08rem;color:#e3eef4}
.hero .btns{display:flex;gap:10px;flex-wrap:wrap;margin-top:18px}
.btn{display:inline-block;background:var(--teal);color:#fff;border:0;border-radius:10px;padding:12px 18px;font:inherit;font-weight:700;text-decoration:none;cursor:pointer;line-height:1.2}
.btn:hover{background:var(--teal-d);color:#fff}
.btn.alt{background:#fff;color:var(--navy2)}
.btn.alt:hover{background:#e9eef4;color:var(--navy2)}
.btn.gold{background:var(--gold);color:#1d1600}
.btn.gold:hover{background:#e3a222;color:#1d1600}
.journeys{margin-top:-18px}
.journeys .card{border-top:4px solid var(--teal)}
.section{padding:28px 0 6px}
.kicker{font-size:.8rem;text-transform:uppercase;letter-spacing:.09em;font-weight:800;color:var(--teal-d);margin:0 0 4px}
table{border-collapse:collapse;width:100%;margin:0 0 1.2em;font-size:.95rem;background:#fff}
th,td{border:1px solid var(--line);padding:8px 10px;text-align:left;vertical-align:top}
th{background:#eef3f7}
.tablewrap{overflow-x:auto}
.sources{font-size:.92rem}
.sources li{margin:.35em 0}
.related ul{padding-left:1.1em}
/* forms */
.formcard{background:#fff;border:1px solid var(--line);border-top:5px solid var(--teal);border-radius:var(--r);padding:18px;box-shadow:0 2px 14px rgba(18,53,91,.06)}
.formcard h2{margin:0 0 .25em;font-size:1.25rem}
.formcard .sub{color:var(--muted);font-size:.93rem;margin-bottom:.8em}
.f{margin:0 0 12px}
.f label,.f .lab{display:block;font-weight:650;font-size:.93rem;margin-bottom:4px}
.f .opt{font-weight:400;color:var(--muted)}
input[type=text],input[type=tel],input[type=email],input[type=date],input[type=number],select,textarea{width:100%;font:inherit;font-size:16px;padding:10px 11px;border:1px solid #b9c4d0;border-radius:9px;background:#fff;color:var(--ink)}
textarea{min-height:96px;resize:vertical}
input:focus,select:focus,textarea:focus{border-color:var(--teal);outline:2px solid rgba(10,124,118,.25);outline-offset:0}
.row2{display:grid;gap:0 12px;grid-template-columns:1fr}
@media (min-width:560px){.full .row2{grid-template-columns:1fr 1fr}}
.radios{display:flex;gap:8px;flex-wrap:wrap}
.radios label{display:flex;align-items:center;gap:6px;border:1px solid #b9c4d0;border-radius:9px;padding:8px 12px;font-weight:500;cursor:pointer;margin:0}
.radios input{margin:0;width:18px;height:18px;accent-color:var(--teal)}
.f label.consent,.consent{font-weight:400;display:flex;gap:10px;align-items:flex-start;font-size:.82rem;line-height:1.45;color:#34445a;margin:4px 0 12px}
.consent input{width:20px;height:20px;flex:none;margin-top:2px;accent-color:var(--teal)}
.hp{position:absolute!important;left:-10000px!important;width:1px;height:1px;overflow:hidden}
.ferr{color:var(--err);font-size:.85rem;margin-top:4px}
.invalid{border-color:var(--err)!important}
.formmsg{font-size:.92rem;margin:8px 0 0}
.formmsg.err{color:var(--err)}
.fine{font-size:.78rem;color:var(--muted);line-height:1.45;margin:12px 0 0}
.attyhint{display:none;background:var(--gold-l);border-radius:8px;padding:8px 10px;font-size:.86rem;margin-top:8px}
.thanks{background:#f0faf5;border:1px solid #a9dcc0;border-radius:var(--r);padding:16px 18px}
.thanks h2{margin-top:0;color:var(--ok)}
.thanks .ref{font-family:ui-monospace,SFMono-Regular,Menlo,monospace;background:#fff;border:1px dashed #87c6a4;border-radius:6px;padding:1px 7px}
.thanks ol{padding-left:1.2em}
/* tools */
.tool{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:18px;margin:1.4em 0}
.tool h2,.tool h3{margin-top:0}
.tool .out{margin-top:12px;background:var(--teal-l);border-radius:10px;padding:12px 14px;display:none}
.tool .out.on{display:block}
.tool .big{font-size:1.5rem;font-weight:800;color:var(--navy2)}
.tool .math{font-family:ui-monospace,SFMono-Regular,Menlo,monospace;font-size:.86rem;white-space:pre-wrap;color:#2c3c50}
.tool .est{font-size:.8rem;color:var(--muted);margin:10px 0 0}
.dl{list-style:none;padding:0;margin:0}
.dl li{border-bottom:1px solid #cfe5e1;padding:8px 0}
.dl li:last-child{border:0}
.dl b{display:block}
.past{color:var(--err)}
/* directory */
.stats{display:flex;flex-wrap:wrap;gap:10px;margin:0 0 1.2em}
.stat{background:#fff;border:1px solid var(--line);border-radius:10px;padding:10px 14px;min-width:140px}
.stat b{display:block;font-size:1.45rem;color:var(--navy2);line-height:1.1}
.stat span{font-size:.85rem;color:var(--muted)}
.office{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:14px 16px;margin:0 0 10px}
.office h3{margin:0 0 4px}
.office p{margin:0;font-size:.95rem}
.filters{display:flex;flex-wrap:wrap;gap:10px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:12px;margin:0 0 12px}
.filters input[type=search]{flex:1 1 220px;font:inherit;font-size:16px;padding:9px 11px;border:1px solid #b9c4d0;border-radius:9px}
.filters label{font-size:.92rem;display:flex;gap:6px;align-items:center}
.filters input[type=checkbox]{width:18px;height:18px;accent-color:var(--teal)}
.atty{list-style:none;padding:0;margin:0;background:#fff;border:1px solid var(--line);border-radius:var(--r)}
.atty li{padding:10px 14px;border-bottom:1px solid #edf0f4;margin:0}
.atty li:last-child{border:0}
.atty .n{font-weight:700}
.atty .d{display:block;font-size:.88rem;color:var(--muted)}
.bdg{display:inline-block;font-size:.72rem;font-weight:700;border-radius:999px;padding:1px 8px;margin-left:6px;vertical-align:1px;white-space:nowrap}
.bdg.s{background:var(--gold-l);color:#7a5200;border:1px solid #f1d58f}
.bdg.es{background:var(--teal-l);color:var(--teal-d);border:1px solid #b7dfda}
.pager{display:flex;flex-wrap:wrap;gap:6px;margin:14px 0}
.pager a,.pager span{padding:6px 11px;border:1px solid var(--line);border-radius:8px;background:#fff;text-decoration:none;font-size:.92rem}
.pager span{background:var(--navy);color:#fff;border-color:var(--navy)}
.countylist{columns:2 210px;padding:0;list-style:none}
.countylist li{break-inside:avoid;margin:0 0 6px}
/* footer */
.site-f{background:var(--navy2);color:#c9d6e4;font-size:.86rem;padding:30px 0 40px;margin-top:30px}
.site-f a{color:#fff}
.site-f .fl{display:flex;flex-wrap:wrap;gap:6px 16px;margin:0 0 16px;padding:0;list-style:none}
.site-f p{margin:0 0 10px;max-width:900px}
.site-f .adv{color:#fff;font-weight:600}
.site-f .fraud{border-top:1px solid #2b4a6c;padding-top:12px}
.draft{display:inline-block;font-size:.8rem;background:#fff4d6;color:#6d4c00;border-radius:6px;padding:2px 8px;margin-bottom:10px}
.toc{font-size:.93rem;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:12px 16px;margin:0 0 1.4em}
.toc ol{margin:.2em 0 0;padding-left:1.2em}
@media print{.site-h nav,.aside,.formcard{display:none}}
.details-step{background:#fff;border:1px solid var(--line);border-radius:10px;padding:12px 14px;margin:12px 0}
.details-step h3{margin-top:0}
.details-step label input,.details-step label select,.details-step label textarea{margin-top:4px;font-weight:400}
.checklist li{margin:.4em 0}
.journeys .grid{grid-template-columns:repeat(auto-fill,minmax(300px,1fr))}
.steps{counter-reset:s;list-style:none;padding:0;display:grid;gap:8px;margin:0 0 1.2em}
.steps li{counter-increment:s;background:#fff;border:1px solid var(--line);border-radius:10px;padding:10px 12px 10px 46px;position:relative;margin:0}
.steps li::before{content:counter(s);position:absolute;left:12px;top:9px;width:24px;height:24px;border-radius:50%;background:var(--teal);color:#fff;font-weight:800;font-size:.85rem;display:flex;align-items:center;justify-content:center}