@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:ital,wght@0,700;1,400&family=IBM+Plex+Sans:wght@300;400;500;600&family=IBM+Plex+Mono:wght@400&display=swap');

:root {
  --navy:#0c1a2e;--navy-mid:#1a3354;--navy-lt:#264d7a;
  --parch:#f4efe4;--parch-d:#e8e0cc;
  --teal:#1d7a6b;--teal-l:#27a08f;
  --gold:#b8872a;--gold-l:#d4a040;
  --ink:#0f1923;--text:#2a3545;--text-mid:#4a5568;--text-lt:#718096;
  --border:#cfc8b5;--border-l:#e8e0cc;--white:#fff;
  --red:#b83232;--green:#1d7a4a;
  --ff-h:'Playfair Display',Georgia,serif;
  --ff-b:'IBM Plex Sans','Segoe UI',system-ui,sans-serif;
  --ff-m:'IBM Plex Mono','Courier New',monospace;
  --r-s:3px;--r-m:6px;--r-l:12px;--r-xl:20px;
  --sh-s:0 1px 3px rgba(12,26,46,.08);--sh-m:0 4px 16px rgba(12,26,46,.12);--sh-l:0 12px 40px rgba(12,26,46,.16);
  --t:.2s cubic-bezier(.4,0,.2,1);--mw:1140px;--cw:760px;
}

*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;font-size:16px}
body{font-family:var(--ff-b);color:var(--text);background:var(--white);line-height:1.7;-webkit-font-smoothing:antialiased}
img{display:block;max-width:100%}
a{color:var(--teal);text-decoration:none;transition:color var(--t)}
a:hover{color:var(--teal-l);text-decoration:underline}

h1,h2,h3,h4,h5,h6{font-family:var(--ff-h);color:var(--navy);line-height:1.2;margin-bottom:.7em}
h1{font-size:clamp(1.9rem,4vw,3rem)}
h2{font-size:clamp(1.5rem,3vw,2.1rem)}
h3{font-size:clamp(1.15rem,2vw,1.5rem)}
h4{font-size:1.05rem;font-family:var(--ff-b);font-weight:600}
p{margin-bottom:1.15em;color:var(--text-mid)}
p:last-child{margin-bottom:0}
strong{color:var(--text);font-weight:600}
code{font-family:var(--ff-m);font-size:.87em;background:var(--parch);padding:.1em .4em;border-radius:var(--r-s);color:var(--navy-mid)}

.wrap{max-width:var(--mw);margin:0 auto;padding:0 1.5rem}
.cwrap{max-width:var(--cw);margin:0 auto;padding:0 1.5rem}

/* HEADER */
.hdr{background:var(--navy);position:sticky;top:0;z-index:200;border-bottom:3px solid var(--gold)}
.hdr-in{display:flex;align-items:center;justify-content:space-between;height:62px}
.logo{font-family:var(--ff-h);font-size:1.1rem;color:var(--white);display:flex;align-items:center;gap:.55rem;text-decoration:none;letter-spacing:.01em}
.logo:hover{color:var(--gold-l);text-decoration:none}
.logo-b{width:32px;height:32px;background:var(--gold);border-radius:var(--r-s);display:flex;align-items:center;justify-content:center;font-size:.82rem;font-weight:700;color:var(--navy);font-family:var(--ff-b);flex-shrink:0}
.nav{display:flex;align-items:center;gap:.15rem}
.nl{font-family:var(--ff-b);font-size:.76rem;font-weight:600;color:rgba(255,255,255,.72);padding:.38rem .65rem;border-radius:var(--r-s);text-transform:uppercase;letter-spacing:.06em;transition:all var(--t);text-decoration:none}
.nl:hover,.nl.on{color:var(--gold-l);background:rgba(184,135,42,.12);text-decoration:none}
.nl.cta{background:var(--teal);color:#fff!important;padding:.38rem .9rem}
.nl.cta:hover{background:var(--teal-l)}
.mbtn{display:none;background:none;border:1.5px solid rgba(255,255,255,.3);color:#fff;padding:.35rem .6rem;border-radius:var(--r-s);cursor:pointer;font-size:1rem;line-height:1}

/* HERO */
.hero{background:var(--navy);padding:5rem 0 4rem;position:relative;overflow:hidden}
.hero::before{content:'';position:absolute;inset:0;background:radial-gradient(ellipse at 15% 60%,rgba(29,122,107,.18) 0%,transparent 55%),radial-gradient(ellipse at 85% 15%,rgba(184,135,42,.1) 0%,transparent 50%);pointer-events:none}
.hero::after{content:'';position:absolute;bottom:0;left:0;right:0;height:3px;background:linear-gradient(90deg,var(--gold),var(--teal),var(--gold))}
.hero-eye{font-family:var(--ff-b);font-size:.72rem;font-weight:600;text-transform:uppercase;letter-spacing:.18em;color:var(--gold);margin-bottom:.9rem}
.hero-h{color:#fff;font-size:clamp(2.2rem,5vw,3.5rem);line-height:1.08;margin-bottom:1.15rem;max-width:740px}
.hero-h em{color:var(--gold-l);font-style:italic}
.hero-sub{color:rgba(255,255,255,.7);font-size:1.1rem;max-width:580px;margin-bottom:2.4rem;line-height:1.6}
.hero-acts{display:flex;gap:.9rem;flex-wrap:wrap}
.hero-stats{display:flex;gap:2.5rem;margin-top:3.5rem;padding-top:2.5rem;border-top:1px solid rgba(255,255,255,.1);flex-wrap:wrap}
.hs-n{font-family:var(--ff-h);font-size:2rem;color:var(--gold-l);line-height:1;margin-bottom:.2rem}
.hs-l{font-size:.75rem;text-transform:uppercase;letter-spacing:.08em;color:rgba(255,255,255,.48);font-weight:600}

/* BUTTONS */
.btn{display:inline-flex;align-items:center;gap:.45rem;font-family:var(--ff-b);font-size:.88rem;font-weight:600;padding:.72rem 1.65rem;border-radius:var(--r-m);border:2px solid transparent;cursor:pointer;transition:all var(--t);text-decoration:none;letter-spacing:.02em;white-space:nowrap}
.btn:hover{text-decoration:none}
.btn-p{background:var(--teal);color:#fff;border-color:var(--teal)}
.btn-p:hover{background:var(--teal-l);border-color:var(--teal-l);color:#fff;transform:translateY(-1px);box-shadow:0 6px 18px rgba(29,122,107,.32)}
.btn-s{background:transparent;color:#fff;border-color:rgba(255,255,255,.32)}
.btn-s:hover{border-color:var(--gold-l);color:var(--gold-l)}
.btn-g{background:var(--gold);color:var(--navy);border-color:var(--gold);font-weight:700}
.btn-g:hover{background:var(--gold-l);color:var(--navy);transform:translateY(-1px)}
.btn-o{background:transparent;color:var(--teal);border-color:var(--teal)}
.btn-o:hover{background:var(--teal);color:#fff}
.btn-sm{padding:.45rem 1rem;font-size:.8rem}
.btn-lg{padding:.95rem 2.1rem;font-size:.98rem}

/* SECTIONS */
.sec{padding:4.5rem 0}
.sec-alt{padding:4.5rem 0;background:var(--parch)}
.sec-dk{padding:4.5rem 0;background:var(--navy)}
.sec-label{text-align:center;font-size:.7rem;font-weight:700;text-transform:uppercase;letter-spacing:.16em;color:var(--teal);margin-bottom:.45rem}
.sec-title{text-align:center;margin-bottom:.45rem}
.sec-sub{text-align:center;color:var(--text-lt);font-size:1rem;max-width:540px;margin:0 auto 2.5rem}

/* STATE GRID */
.state-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(150px,1fr));gap:.7rem;margin-top:1.8rem}
.sc{display:flex;align-items:center;justify-content:center;padding:.9rem .7rem;background:var(--white);border:1.5px solid var(--border);border-radius:var(--r-m);font-weight:600;font-size:.88rem;color:var(--navy);text-decoration:none;text-align:center;transition:all var(--t)}
.sc:hover{border-color:var(--teal);color:var(--teal);background:rgba(29,122,107,.04);text-decoration:none;transform:translateY(-2px);box-shadow:var(--sh-s)}
.sc.all{border-style:dashed;border-color:var(--text-lt);color:var(--text-lt)}
.sc.all:hover{border-color:var(--teal);color:var(--teal)}

/* CARDS */
.card-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(290px,1fr));gap:1.4rem}
.card{background:var(--white);border:1.5px solid var(--border);border-radius:var(--r-l);padding:1.65rem;transition:all var(--t);display:flex;flex-direction:column}
.card:hover{border-color:var(--teal);box-shadow:var(--sh-m);transform:translateY(-3px)}
.card-tag{font-size:.68rem;font-weight:700;text-transform:uppercase;letter-spacing:.1em;color:var(--teal);margin-bottom:.7rem}
.card h3{font-size:1.1rem;margin-bottom:.55rem}
.card p{font-size:.88rem;flex-grow:1}
.card-lnk{display:inline-flex;align-items:center;gap:.3rem;font-size:.83rem;font-weight:700;color:var(--teal);margin-top:.9rem;text-decoration:none}
.card-lnk:hover{color:var(--navy);text-decoration:none}
.card-lnk::after{content:'→'}

/* TOOL CARDS */
.tool-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(270px,1fr));gap:1.4rem}
.tool-card{background:var(--white);border:1.5px solid var(--border);border-radius:var(--r-l);padding:1.9rem;transition:all var(--t)}
.tool-card:hover{border-color:var(--gold);box-shadow:var(--sh-m)}
.t-icon{width:50px;height:50px;background:var(--parch);border-radius:var(--r-m);display:flex;align-items:center;justify-content:center;font-size:1.4rem;margin-bottom:1rem}
.tool-card h3{font-size:1.05rem;margin-bottom:.45rem}
.tool-card p{font-size:.86rem;margin-bottom:1.2rem}

/* DOWNLOAD */
.dl-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(310px,1fr));gap:1rem}
.dl-card{display:flex;align-items:flex-start;gap:1.15rem;background:var(--parch);border:1.5px solid var(--border);border-radius:var(--r-l);padding:1.4rem;transition:all var(--t)}
.dl-card:hover{border-color:var(--gold);box-shadow:var(--sh-s)}
.dl-icon{width:46px;height:46px;background:var(--gold);border-radius:var(--r-m);display:flex;align-items:center;justify-content:center;font-size:1.25rem;flex-shrink:0;color:var(--navy)}
.dl-info h4{font-size:.95rem;margin-bottom:.28rem}
.dl-info p{font-size:.83rem;margin-bottom:.7rem}

/* FAQ */
.faq-list{display:flex;flex-direction:column;gap:.7rem}
.faq-item{background:var(--white);border:1.5px solid var(--border);border-radius:var(--r-m);overflow:hidden;transition:border-color var(--t)}
.faq-item[open]{border-color:var(--teal)}
.faq-item summary{padding:1.1rem 1.4rem;font-weight:600;font-size:.93rem;cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:.9rem;color:var(--navy)}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{content:'+';font-size:1.25rem;font-weight:300;color:var(--teal);flex-shrink:0}
.faq-item[open] summary::after{content:'−'}
.faq-body{padding:0 1.4rem 1.2rem;color:var(--text-mid);font-size:.9rem}
.faq-body p{margin-bottom:.6rem}

/* ARTICLE */
.art-wrap{display:grid;grid-template-columns:1fr 290px;gap:3rem;align-items:start;padding:3.5rem 0}
.art-body h2{margin-top:2rem;font-size:1.65rem}
.art-body h3{margin-top:1.5rem;font-size:1.25rem}
.art-body ul,.art-body ol{margin:1rem 0 1.2rem 1.5rem;color:var(--text-mid)}
.art-body li{margin-bottom:.45rem}
.art-body blockquote{border-left:4px solid var(--teal);padding:.9rem 1.4rem;background:var(--parch);border-radius:0 var(--r-m) var(--r-m) 0;margin:1.4rem 0;font-style:italic;color:var(--navy-mid)}
.art-meta{display:flex;gap:1.4rem;flex-wrap:wrap;font-size:.78rem;color:var(--text-lt);margin-bottom:1.4rem;padding-bottom:.9rem;border-bottom:1.5px solid var(--border-l)}
.art-hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-mid) 100%);padding:3.5rem 0 2.5rem}
.art-hero .a-tag{font-size:.7rem;font-weight:700;text-transform:uppercase;letter-spacing:.13em;color:var(--gold);margin-bottom:.7rem}
.art-hero h1{color:#fff;font-size:clamp(1.7rem,4vw,2.5rem);max-width:720px;margin-bottom:.9rem}
.art-hero .lead{color:rgba(255,255,255,.7);font-size:1.05rem;max-width:600px;margin-bottom:0}

/* SIDEBAR */
.sidebar{position:sticky;top:80px}
.sb-box{background:var(--parch);border:1.5px solid var(--border);border-radius:var(--r-l);padding:1.4rem;margin-bottom:1.15rem}
.sb-box h4{font-size:.75rem;text-transform:uppercase;letter-spacing:.1em;color:var(--text-lt);margin-bottom:.9rem;font-family:var(--ff-b);font-weight:700}
.toc-list{list-style:none}
.toc-list li{margin-bottom:.35rem}
.toc-list a{font-size:.83rem;color:var(--text-mid);display:flex;align-items:flex-start;gap:.38rem}
.toc-list a::before{content:'·';color:var(--teal);flex-shrink:0}
.toc-list a:hover{color:var(--teal);text-decoration:none}
.rel-lnk{display:block;font-size:.83rem;color:var(--text-mid);padding:.38rem 0;border-bottom:1px solid var(--border-l)}
.rel-lnk:last-child{border-bottom:none}
.rel-lnk:hover{color:var(--teal);text-decoration:none}

/* INFO BOXES */
.ibox{background:rgba(29,122,107,.06);border:1.5px solid rgba(29,122,107,.22);border-radius:var(--r-m);padding:1.15rem 1.4rem;margin:1.4rem 0}
.ibox.warn{background:rgba(184,135,42,.06);border-color:rgba(184,135,42,.28)}
.ibox.danger{background:rgba(184,50,50,.06);border-color:rgba(184,50,50,.22)}
.ibox-ttl{font-weight:700;font-size:.82rem;text-transform:uppercase;letter-spacing:.06em;color:var(--teal);margin-bottom:.45rem}
.ibox.warn .ibox-ttl{color:var(--gold)}
.ibox.danger .ibox-ttl{color:var(--red)}
.ibox p{font-size:.88rem;margin-bottom:0}

/* TABLE */
.tbl-wrap{overflow-x:auto;margin:1.4rem 0}
.tbl{width:100%;border-collapse:collapse;font-size:.88rem}
.tbl th{background:var(--navy);color:#fff;font-family:var(--ff-b);font-weight:600;font-size:.75rem;text-transform:uppercase;letter-spacing:.06em;padding:.72rem .95rem;text-align:left}
.tbl td{padding:.65rem .95rem;border-bottom:1px solid var(--border-l);color:var(--text-mid)}
.tbl tr:nth-child(even) td{background:var(--parch)}
.tbl tr:hover td{background:rgba(29,122,107,.04)}
.tag{display:inline-block;font-size:.7rem;font-weight:700;padding:.18rem .48rem;border-radius:99px;background:rgba(29,122,107,.1);color:var(--teal)}
.tag-w{background:rgba(184,135,42,.14);color:var(--gold)}
.tag-r{background:rgba(184,50,50,.1);color:var(--red)}

/* CALCULATOR */
.calc-wrap{background:var(--white);border:2px solid var(--border);border-radius:var(--r-xl);padding:2.4rem;box-shadow:var(--sh-l);max-width:720px;margin:0 auto}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:.9rem;margin-bottom:.9rem}
.fg{display:flex;flex-direction:column;gap:.32rem}
.fg label{font-size:.75rem;font-weight:700;text-transform:uppercase;letter-spacing:.06em;color:var(--text-lt)}
.fg select,.fg input{font-family:var(--ff-b);font-size:.92rem;padding:.65rem .9rem;border:1.5px solid var(--border);border-radius:var(--r-m);color:var(--text);background:var(--white);transition:border-color var(--t);-webkit-appearance:none;appearance:none}
.fg select{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='10' height='7' viewBox='0 0 10 7'%3E%3Cpath fill='%234a5568' d='M5 7L0 0h10z'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right .85rem center;padding-right:2.2rem;cursor:pointer}
.fg select:focus,.fg input:focus{outline:none;border-color:var(--teal);box-shadow:0 0 0 3px rgba(29,122,107,.13)}
.calc-btn{width:100%;padding:.85rem;margin-top:.4rem;font-size:.98rem;border-radius:var(--r-m);cursor:pointer;font-family:var(--ff-b);font-weight:700;background:var(--teal);color:#fff;border:none;transition:all var(--t);letter-spacing:.02em}
.calc-btn:hover{background:var(--teal-l);transform:translateY(-1px);box-shadow:0 6px 18px rgba(29,122,107,.28)}
.r-panel{display:none;margin-top:1.9rem;padding-top:1.9rem;border-top:1.5px solid var(--border-l)}
.r-panel.vis{display:block}
.r-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:.9rem;margin-bottom:1.4rem}
.r-stat{background:var(--parch);border-radius:var(--r-m);padding:1rem;text-align:center}
.r-stat-n{font-family:var(--ff-h);font-size:1.85rem;color:var(--teal);line-height:1;margin-bottom:.18rem}
.r-stat-l{font-size:.72rem;text-transform:uppercase;letter-spacing:.06em;color:var(--text-lt);font-weight:600}
.r-desc{background:rgba(29,122,107,.06);border-left:4px solid var(--teal);padding:.9rem 1.15rem;border-radius:0 var(--r-m) var(--r-m) 0;font-size:.88rem;color:var(--navy-mid);margin-bottom:.9rem}
.r-note{font-size:.76rem;color:var(--text-lt);font-style:italic}

/* QUICK FACTS */
.qf-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(165px,1fr));gap:.9rem;margin:1.9rem 0}
.qf{background:var(--parch);border:1.5px solid var(--border);border-radius:var(--r-m);padding:1rem}
.qf .lbl{font-size:.7rem;font-weight:700;text-transform:uppercase;letter-spacing:.08em;color:var(--text-lt);margin-bottom:.28rem}
.qf .val{font-family:var(--ff-h);font-size:1.35rem;color:var(--navy);line-height:1.1}
.qf .unit{font-size:.78rem;color:var(--text-lt);font-family:var(--ff-b)}

/* STATE HERO */
.state-hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-lt) 100%);padding:3rem 0 2.5rem}
.state-hero h1{color:#fff;margin-bottom:.45rem}
.state-hero .lead{color:rgba(255,255,255,.7);font-size:1rem;max-width:560px}

/* BREADCRUMB */
.bc{display:flex;align-items:center;gap:.45rem;font-size:.79rem;color:var(--text-lt);padding:.7rem 0}
.bc a{color:var(--text-lt);text-decoration:none}
.bc a:hover{color:var(--teal)}
.bc .sep{color:var(--border)}
.bc .cur{color:var(--text)}

/* CTA STRIP */
.cta-strip{background:var(--teal);padding:3.5rem 0;text-align:center}
.cta-strip h2{color:#fff;margin-bottom:.7rem;font-size:1.85rem}
.cta-strip p{color:rgba(255,255,255,.78);margin-bottom:1.65rem;font-size:.98rem}

/* DEADLINE TRACKER */
.tr-entry{background:var(--white);border:1.5px solid var(--border);border-radius:var(--r-m);padding:1.15rem;display:flex;align-items:center;gap:1.15rem;margin-bottom:.7rem;transition:border-color var(--t)}
.tr-entry:hover{border-color:var(--teal)}
.tr-cd{min-width:66px;text-align:center;padding:.55rem;border-radius:var(--r-s);background:var(--parch)}
.tr-cd .days{font-family:var(--ff-h);font-size:1.75rem;line-height:1;color:var(--teal)}
.tr-cd .dlbl{font-size:.62rem;text-transform:uppercase;letter-spacing:.08em;color:var(--text-lt);font-weight:700}
.tr-cd.urg .days{color:var(--red)}
.tr-cd.done .days{color:var(--green);font-size:1.1rem}
.tr-info{flex-grow:1}
.tr-info h4{font-size:.92rem;margin-bottom:.12rem}
.tr-info p{font-size:.8rem;color:var(--text-lt);margin-bottom:0}
.tr-rm{background:none;border:none;cursor:pointer;color:var(--text-lt);font-size:1rem;padding:.28rem;transition:color var(--t);line-height:1}
.tr-rm:hover{color:var(--red)}

/* FOOTER */
.ftr{background:var(--ink);padding:3.5rem 0 1.4rem;border-top:3px solid var(--gold)}
.ftr-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:2.4rem;margin-bottom:2.4rem}
.ftr-brand .logo{color:#fff;margin-bottom:.8rem}
.ftr-brand p{font-size:.83rem;color:rgba(255,255,255,.45);line-height:1.6}
.ftr-col h4{font-family:var(--ff-b);font-size:.73rem;font-weight:700;text-transform:uppercase;letter-spacing:.1em;color:var(--gold);margin-bottom:.8rem}
.ftr-col ul{list-style:none}
.ftr-col li{margin-bottom:.38rem}
.ftr-col a{font-size:.83rem;color:rgba(255,255,255,.52);transition:color var(--t)}
.ftr-col a:hover{color:#fff;text-decoration:none}
.ftr-bot{border-top:1px solid rgba(255,255,255,.07);padding-top:1.4rem;display:flex;justify-content:space-between;align-items:center;gap:.9rem;flex-wrap:wrap}
.ftr-bot p{font-size:.76rem;color:rgba(255,255,255,.32);margin-bottom:0}
.ftr-bot a{color:rgba(255,255,255,.42);font-size:.76rem}
.ftr-bot a:hover{color:#fff}

/* RESPONSIVE */
@media(max-width:1024px){.ftr-grid{grid-template-columns:1fr 1fr}.art-wrap{grid-template-columns:1fr}.sidebar{position:static}}
@media(max-width:768px){
  .nav{display:none;flex-direction:column;position:absolute;top:62px;left:0;right:0;background:var(--navy);padding:1rem;border-top:1px solid rgba(255,255,255,.08);z-index:99}
  .nav.open{display:flex}.mbtn{display:block}
  .hero{padding:2.8rem 0 2.2rem}.form-row{grid-template-columns:1fr}
  .r-grid{grid-template-columns:1fr 1fr}.ftr-grid{grid-template-columns:1fr;gap:1.8rem}
  .qf-grid{grid-template-columns:1fr 1fr}.hero-stats{gap:1.4rem}.card-grid{grid-template-columns:1fr}
}
@media(max-width:480px){.r-grid{grid-template-columns:1fr}.calc-wrap{padding:1.4rem}}