:root{--navy:#0b1529;--navy2:#16253e;--orange:#e98700;--red:#ea214e;--text:#101b31;--muted:#586b89;--line:#e3e8f0;--paper:#f7f9fc;--white:#fff;--green:#0d8a5f;--shadow:0 18px 50px rgba(20,35,60,.12);--r:18px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--text);background:#fff;line-height:1.6}a{color:inherit}img{max-width:100%;height:auto}.container{width:min(1160px,calc(100% - 36px));margin:auto}.site-header{background:var(--navy);color:#fff;position:sticky;top:0;z-index:50;border-bottom:1px solid rgba(255,255,255,.08)}.nav{display:flex;align-items:center;justify-content:space-between;gap:22px;min-height:68px}.brand{display:flex;align-items:center;gap:10px;text-decoration:none;font-weight:800}.brand small{display:block;color:#f0a11a;font-size:11px;letter-spacing:.12em}.logo{width:40px;height:40px}.navlinks{display:flex;gap:8px;align-items:center}.navlinks a{font-size:14px;text-decoration:none;padding:10px 12px;border-radius:10px}.navlinks a:hover,.navlinks a.active{background:#fff;color:#111}.mobile-toggle{display:none;background:transparent;color:#fff;border:1px solid #50617c;border-radius:8px;padding:8px 10px}.hero{padding:64px 0 52px;background:linear-gradient(180deg,#f8fafc 0,#fff 100%)}.hero-grid{display:grid;grid-template-columns:.96fr 1fr;gap:40px;align-items:center}.calc-card{position:relative;min-height:580px;border-radius:22px;overflow:hidden;background:linear-gradient(145deg,rgba(8,15,27,.88),rgba(25,34,46,.76)),radial-gradient(circle at 25% 20%,#645143,#191d24 65%);box-shadow:var(--shadow);color:#fff;padding:34px;display:flex;flex-direction:column;justify-content:flex-end}.calc-card:before{content:"";position:absolute;inset:0;background:linear-gradient(125deg,transparent 0 44%,rgba(255,255,255,.06) 45% 46%,transparent 47%);pointer-events:none}.calc-top{position:absolute;top:32px;left:34px;right:34px;text-align:center}.badge{display:inline-flex;align-items:center;gap:7px;font-size:12px;font-weight:800;border-radius:999px;padding:7px 13px;background:rgba(255,255,255,.15);border:1px solid rgba(255,255,255,.25);backdrop-filter:blur(8px)}.calc-top h2{font-size:42px;line-height:1.02;margin:24px 0 10px}.calc-top h2 span{color:#ff474f}.calc-top p{margin:0;color:#edf1f7}.calculator{position:relative;background:rgba(25,25,25,.52);backdrop-filter:blur(14px);border:1px solid rgba(255,255,255,.24);border-radius:16px;padding:20px;box-shadow:0 14px 40px rgba(0,0,0,.22)}.calculator h3{text-align:center;margin:0 0 2px;font-size:16px}.calculator .micro{text-align:center;color:#d9dee8;font-size:12px;margin-bottom:12px}.field{display:block;font-size:12px;font-weight:700;margin:9px 0 5px}.calculator input,.calculator select{width:100%;padding:12px 14px;border-radius:9px;border:0;background:#fff;color:#273047;font-size:14px}.calc-btn,.btn{display:inline-flex;align-items:center;justify-content:center;border:0;border-radius:10px;text-decoration:none;font-weight:800;cursor:pointer}.calc-btn{width:100%;margin-top:12px;padding:14px;background:#ff474f;color:#fff}.trustline{display:flex;justify-content:center;gap:10px;flex-wrap:wrap;color:#dbf4e8;font-size:10px;margin-top:10px}.eyebrow{display:inline-block;background:#eb1d4c;color:#fff;font-weight:800;border-radius:999px;padding:6px 12px;font-size:13px}.hero h1{font-size:52px;line-height:.98;letter-spacing:-.035em;margin:22px 0 20px}.hero h1 .accent{color:var(--orange)}.lead{font-size:17px;color:var(--muted);max-width:650px}.alert-box{border-left:4px solid var(--red);background:#fff1f5;border-radius:8px;padding:13px 15px;margin:22px 0;font-size:14px}.hero-actions{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin:24px 0}.btn{padding:16px 18px;background:var(--red);color:#fff;box-shadow:0 0 0 5px rgba(234,33,78,.09)}.btn.secondary{background:#fff;color:var(--navy);border:1px solid var(--navy);box-shadow:none}.quote{font-style:italic;color:#687b98;border-left:2px solid #d7deea;padding-left:16px}.section{padding:64px 0}.section.alt{background:var(--paper)}.section h2{font-size:36px;line-height:1.1;margin:0 0 16px}.section-intro{color:var(--muted);max-width:780px;margin-bottom:28px}.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:15px}.stat{border:1px solid var(--line);border-radius:15px;padding:20px;background:#fff}.stat strong{font-size:28px;display:block}.stat span{font-size:13px;color:var(--muted)}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{border:1px solid var(--line);border-radius:16px;padding:22px;background:#fff;box-shadow:0 6px 24px rgba(20,35,60,.05)}.card h3{margin:8px 0 7px;line-height:1.2}.card p{color:var(--muted);font-size:14px}.card a{color:#ba3152;font-weight:800;text-decoration:none}.pill{display:inline-block;color:#9e6200;background:#fff2d8;border-radius:999px;padding:5px 9px;font-size:11px;font-weight:800}.icon{font-size:26px}.table-wrap{overflow:auto;border:1px solid var(--line);border-radius:14px;background:#fff}.data-table{width:100%;border-collapse:collapse;min-width:650px}.data-table th,.data-table td{text-align:left;padding:13px 14px;border-bottom:1px solid var(--line);font-size:14px}.data-table th{background:#f0f4f9;color:#263653}.source-note{font-size:12px;color:#687b98;margin-top:10px}.source-note a{color:#395ea8}.city-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}.city-link{border:1px solid var(--line);border-radius:12px;padding:14px;text-decoration:none;background:#fff;font-weight:800}.city-link span{display:block;font-size:12px;color:var(--muted);font-weight:500}.cta-band{background:var(--navy);color:#fff;border-radius:22px;padding:36px;display:flex;align-items:center;justify-content:space-between;gap:30px}.cta-band h2{margin:0 0 8px}.cta-band p{color:#bcc8dc;margin:0}.breadcrumb{font-size:13px;color:#71819a;padding-top:28px}.breadcrumb a{text-decoration:none;color:#425675}.page-hero{padding:25px 0 46px;background:linear-gradient(180deg,#f7f9fc,#fff)}.page-hero h1{font-size:46px;line-height:1.05;letter-spacing:-.025em;margin:15px 0}.quick-answer{border:1px solid #f1c0cd;background:#fff5f7;border-radius:14px;padding:20px;margin:22px 0}.answer-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:10px}.answer-item{background:#fff;border:1px solid #f0d7df;border-radius:10px;padding:12px}.answer-item b{display:block;font-size:12px;color:#6e3b4b}.answer-item span{font-weight:800}.content-grid{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:30px;align-items:start}.article h2{font-size:28px;margin-top:36px}.article h3{font-size:20px}.article p,.article li{color:#394a65}.sidebar{position:sticky;top:92px}.side-card{border:1px solid var(--line);border-radius:15px;padding:18px;background:#fff;margin-bottom:14px}.side-card h3{margin-top:0}.side-card ul{padding-left:18px}.side-card a{color:#a82e4a}.disclaimer{background:#fff8e8;border:1px solid #f2d9a1;padding:15px;border-radius:12px;font-size:13px;color:#615126}.footer{background:#0a1325;color:#d4dced;padding:45px 0 25px;margin-top:60px}.footer-grid{display:grid;grid-template-columns:1.4fr repeat(3,1fr);gap:30px}.footer h4{color:#fff;margin:0 0 12px}.footer a{display:block;color:#b9c6d9;text-decoration:none;font-size:13px;margin:7px 0}.footer .legal{border-top:1px solid #24324b;margin-top:32px;padding-top:18px;font-size:12px;color:#8fa0b9}.notice{font-size:12px;color:#667995}.checklist{display:grid;grid-template-columns:repeat(2,1fr);gap:10px}.check{padding:12px;border-radius:10px;background:#f6f8fc;border:1px solid var(--line)}
@media(max-width:900px){.navlinks{display:none;position:absolute;top:68px;left:0;right:0;background:var(--navy);padding:12px 18px;flex-direction:column;align-items:stretch}.navlinks.open{display:flex}.mobile-toggle{display:block}.hero-grid,.content-grid{grid-template-columns:1fr}.calc-card{min-height:530px}.stats,.cards{grid-template-columns:repeat(2,1fr)}.city-grid{grid-template-columns:repeat(2,1fr)}.footer-grid{grid-template-columns:1fr 1fr}.sidebar{position:static}.hero h1,.page-hero h1{font-size:42px}.answer-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:560px){.container{width:min(100% - 24px,1160px)}.hero{padding-top:32px}.hero h1,.page-hero h1{font-size:36px}.calc-card{padding:18px;min-height:560px}.calc-top{left:18px;right:18px}.calc-top h2{font-size:34px}.hero-actions,.stats,.cards,.city-grid,.footer-grid,.answer-grid,.checklist{grid-template-columns:1fr}.cta-band{align-items:flex-start;flex-direction:column}.section{padding:48px 0}}


/* PHASE 1 FAQ CITATION BLOCKS */
.faq-section{background:#f7f9fc;border-top:1px solid #e3e8f0}
.faq-heading{max-width:820px;margin-bottom:28px}
.faq-heading h2{margin:.45rem 0 .6rem;font-size:clamp(1.9rem,3vw,2.7rem);color:#0b1529}
.faq-heading p{color:#52627a;max-width:780px}
.faq-list{display:grid;gap:12px;max-width:980px}
.faq-item{background:#fff;border:1px solid #dfe5ee;border-radius:14px;overflow:hidden;box-shadow:0 3px 12px rgba(11,21,41,.04)}
.faq-item summary{list-style:none;cursor:pointer;padding:18px 20px;font-weight:800;color:#0b1529;display:flex;gap:12px;align-items:flex-start;line-height:1.35}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary span{font-size:.72rem;letter-spacing:.08em;color:#d97706;background:#fff4df;border:1px solid #f2d29b;padding:4px 6px;border-radius:7px;flex:0 0 auto}
.faq-answer{padding:0 20px 18px 54px}
.faq-answer p{margin:.35rem 0;color:#334155;line-height:1.72}
.faq-source{font-size:.88rem!important;color:#64748b!important}
.faq-source a{text-decoration:underline;text-underline-offset:2px}
.faq-disclaimer{max-width:980px;margin:22px 0 0;padding:16px 18px;border-left:4px solid #e11d48;background:#fff;color:#475569;border-radius:0 10px 10px 0}
@media(max-width:640px){.faq-answer{padding:0 16px 16px}.faq-item summary{padding:16px}}

.faq-jump{display:inline-flex;margin:12px 0 0;padding:10px 14px;border:1px solid #dfe5ee;border-radius:999px;background:#fff;color:#0b1529;font-weight:800;text-decoration:none}.faq-jump:hover{background:#fff4df;border-color:#f2d29b}