:root{--brand:#1673b8;--brand-2:#12875a;--ink:#0a2540;--ink-2:#425466;--muted:#6b7c93;--bg:#fff;--bg-2:#f6f9fc;--line:#e6ebf1;--ok:#0e9f6e;--warn:#b45309;--r:14px;--sh:0 1px 2px rgba(10,37,64,.06),0 8px 24px -12px rgba(10,37,64,.18);font-family:Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,sans-serif}
*{box-sizing:border-box}body{margin:0;color:var(--ink);background:var(--bg);line-height:1.6;-webkit-font-smoothing:antialiased}
a{color:var(--brand);text-decoration:none}a:hover{text-decoration:underline}
.wrap{max-width:1140px;margin:0 auto;padding:0 20px}.skip{position:absolute;left:-999px}.skip:focus{left:12px;top:12px;background:#fff;padding:8px;z-index:9}
:focus-visible{outline:3px solid #1673b8;outline-offset:2px;border-radius:6px}.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
.site-header{position:sticky;top:0;z-index:5;background:rgba(255,255,255,.85);backdrop-filter:saturate(180%) blur(12px);border-bottom:1px solid var(--line)}
.nav-row{display:flex;align-items:center;justify-content:space-between;height:64px}.brand{display:flex;gap:10px;align-items:center;color:var(--ink);font-weight:600;font-size:18px;letter-spacing:-.01em}.brand:hover{text-decoration:none}.brand b{color:var(--brand)}.logo-mark{width:30px;height:30px}
nav#nav{display:flex;gap:4px}nav#nav a{color:var(--ink-2);padding:8px 12px;border-radius:8px;font-size:15px;font-weight:500}nav#nav a:hover,nav#nav a[aria-current]{background:var(--bg-2);color:var(--ink);text-decoration:none}
.menu-btn{display:none;background:none;border:1px solid var(--line);border-radius:8px;font-size:18px;padding:4px 10px;color:var(--ink)}
@media(max-width:820px){.menu-btn{display:block}nav#nav{display:none;position:absolute;top:64px;left:0;right:0;flex-direction:column;background:#fff;border-bottom:1px solid var(--line);padding:8px 20px 16px}nav#nav.open{display:flex}}
h1,h2,h3{letter-spacing:-.02em;line-height:1.15}h1{font-size:clamp(34px,6vw,60px);margin:.2em 0}h2{font-size:clamp(24px,3.4vw,34px);margin:1.2em 0 .4em}h3{font-size:18px;margin:.4em 0}
.lead{font-size:clamp(17px,2vw,20px);color:var(--ink-2);max-width:640px}.muted{color:var(--muted)}.small{font-size:13px}.center{text-align:center}.mt{margin-top:40px}.pt0{padding-top:0!important}
.eyebrow{display:inline-block;font-size:13px;font-weight:600;color:var(--brand);text-transform:uppercase;letter-spacing:.08em}
.grad{background:linear-gradient(90deg,var(--brand),var(--brand-2));-webkit-background-clip:text;background-clip:text;color:transparent}
.btn{display:inline-flex;align-items:center;gap:6px;background:var(--brand);color:#fff;border:0;border-radius:999px;padding:12px 20px;font-weight:600;font-size:15px;cursor:pointer;box-shadow:0 4px 14px -4px rgba(22,115,184,.6);transition:transform .15s,background .15s}.btn:hover{background:#0f5f9c;text-decoration:none;transform:translateY(-1px)}
.btn.ghost{background:#fff;color:var(--ink);border:1px solid var(--line);box-shadow:none}.btn.light{background:#fff;color:var(--brand)}.btn.sm{padding:6px 12px;font-size:13px}.btn[disabled]{opacity:.6;cursor:not-allowed;transform:none}
.hero{position:relative;overflow:hidden;padding:72px 0 64px;background:linear-gradient(180deg,#f3f9fd,#fff)}
.glow{position:absolute;inset:-40% -10% auto auto;width:780px;height:780px;background:radial-gradient(closest-side,rgba(22,115,184,.25),transparent),radial-gradient(closest-side at 30% 70%,rgba(0,194,168,.22),transparent);filter:blur(20px)}
.hero-grid{position:relative;display:grid;grid-template-columns:1.2fr 1fr;gap:48px;align-items:center}@media(max-width:900px){.hero-grid{grid-template-columns:1fr}}
.cta{display:flex;gap:12px;flex-wrap:wrap;margin:28px 0 18px}.trust{display:flex;gap:18px;flex-wrap:wrap;list-style:none;padding:0;color:var(--ink-2);font-size:14px}
.hero-card{background:#fff;border:1px solid var(--line);border-radius:20px;padding:24px;box-shadow:0 30px 60px -20px rgba(50,50,93,.25),0 18px 36px -18px rgba(0,0,0,.3)}
.hc-top{display:flex;justify-content:space-between;color:var(--muted);font-weight:500}.hc-big{font-size:44px;font-weight:700;letter-spacing:-.03em}.hc-big small{font-size:16px;color:var(--muted);font-weight:500}
.bars{display:flex;gap:10px;align-items:flex-end;height:110px;margin:12px 0 18px}.bars i{flex:1;border-radius:6px 6px 2px 2px;background:linear-gradient(180deg,var(--brand),#6fb6e6)}.bars i:last-child{background:linear-gradient(180deg,var(--brand-2),#86dcae)}
.hc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin:0}.hc-grid div{background:var(--bg-2);border-radius:10px;padding:10px}.hc-grid dt{font-size:12px;color:var(--muted)}.hc-grid dd{margin:0;font-weight:700}
.pill{display:inline-block;font-size:12px;font-weight:600;padding:3px 10px;border-radius:999px;background:#e8f3fb;color:var(--brand)}.pill.ok{background:#e6f7f1;color:var(--ok)}.pill.draft{background:#fff4e5;color:var(--warn)}
.section{padding:72px 20px}.band{background:var(--bg-2);border-block:1px solid var(--line);padding:72px 0}.sec-head{max-width:640px;margin-bottom:28px}.sec-head h2{margin-top:.2em}
.grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:18px}.grid.two{grid-template-columns:repeat(auto-fill,minmax(340px,1fr))}@media(max-width:400px){.grid,.grid.two{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px;box-shadow:var(--sh)}
.calc-card{display:flex;flex-direction:column;color:var(--ink);transition:transform .15s,box-shadow .15s}.calc-card:hover{text-decoration:none;transform:translateY(-2px);box-shadow:0 20px 40px -20px rgba(50,50,93,.35)}
.calc-card p{color:var(--ink-2);font-size:15px;flex:1;margin:.2em 0 1em}.ic{width:40px;height:40px;display:grid;place-items:center;border-radius:10px;background:linear-gradient(135deg,#e6f3fb,#e4f7ec);color:var(--brand);font-size:20px;font-weight:700}.go{color:var(--brand);font-weight:600;font-size:14px}
.split{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}@media(max-width:820px){.split{grid-template-columns:1fr}}
.law-preview .row{display:flex;justify-content:space-between;align-items:center;padding:14px 0;border-bottom:1px solid var(--line)}.sk{width:90px;height:12px;border-radius:6px;background:linear-gradient(90deg,#eef1f6,#f7f9fc,#eef1f6)}
.prod .thumb{height:120px;border-radius:10px;background:linear-gradient(135deg,#eaf5fc,#e8f8ef);display:flex;flex-direction:column;gap:8px;padding:18px;margin-bottom:14px}.prod .thumb span{height:10px;border-radius:5px;background:rgba(22,115,184,.25)}.prod .thumb span:nth-child(2){width:70%}.prod .thumb span:nth-child(3){width:45%;background:rgba(0,194,168,.35)}
.prod p{color:var(--ink-2);font-size:15px}.price-row{display:flex;justify-content:space-between;align-items:center}.price-row b{font-size:20px}
.cta-box{border-radius:20px;padding:40px;color:#fff;text-align:center;background:linear-gradient(120deg,#1673b8,#4f46e5 50%,#00a991)}.cta-box h2{margin-top:0}
.page-head{padding:48px 20px 28px}.crumbs{font-size:14px;color:var(--muted)}
.calc{display:grid;grid-template-columns:1.3fr 1fr;gap:20px;align-items:start}@media(max-width:820px){.calc{grid-template-columns:1fr}}
.calc-form{display:grid;grid-template-columns:1fr 1fr;gap:16px}@media(max-width:520px){.calc-form{grid-template-columns:1fr}}
.field{display:flex;flex-direction:column;gap:6px;font-size:14px;font-weight:500;color:var(--ink-2)}.inp{display:flex;align-items:center;border:1px solid #d5dbe5;border-radius:10px;background:#fff;padding:0 12px;transition:border .15s,box-shadow .15s}.inp:focus-within{border-color:var(--brand);box-shadow:0 0 0 4px rgba(22,115,184,.15)}
.inp i{font-style:normal;color:var(--muted);font-size:14px}.inp input,.field select,.search input{flex:1;min-width:0;border:0;outline:0;padding:11px 6px;font:inherit;font-size:16px;color:var(--ink);background:transparent}.field select,.search input{border:1px solid #d5dbe5;border-radius:10px;padding:11px 12px;background:#fff}
.results{position:sticky;top:84px;background:linear-gradient(180deg,#0a2540,#13315c);color:#fff;border:0}.results .muted{color:#a8b8cc}.small-h{font-size:14px;text-transform:uppercase;letter-spacing:.08em;color:#a8b8cc;margin:0 0 8px}
.out{display:flex;justify-content:space-between;align-items:baseline;padding:12px 0;border-bottom:1px solid rgba(255,255,255,.1)}.out span{color:#c9d5e3;font-size:15px}.out output{font-weight:700;font-size:18px;font-variant-numeric:tabular-nums}.out.main output{font-size:32px;background:linear-gradient(90deg,#fff,#a7e8c4);-webkit-background-clip:text;background-clip:text;color:transparent}.out output.neg{color:#ff9b9b;-webkit-text-fill-color:#ff9b9b}
.prose{max-width:820px;padding-bottom:72px}.prose p{color:var(--ink-2)}.formula{background:var(--bg-2);border:1px solid var(--line);border-radius:12px;padding:18px;white-space:pre-wrap;font:14px/1.7 ui-monospace,SFMono-Regular,Menlo,monospace;color:var(--ink)}
details{border:1px solid var(--line);border-radius:12px;padding:14px 18px;margin:10px 0}summary{cursor:pointer;font-weight:600}
.notice{background:#fff8eb;border:1px solid #fcd9a4;color:#7a4a06;border-radius:12px;padding:14px 18px;margin-top:16px;max-width:760px}
.search{max-width:380px;margin-bottom:20px}.state-grid{list-style:none;padding:0;display:grid;grid-template-columns:repeat(auto-fill,minmax(220px,1fr));gap:10px}.state-grid li{display:flex;justify-content:space-between;align-items:center;border:1px solid var(--line);border-radius:10px;padding:12px 14px;background:#fff}
.tpl-head{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:8px}table{width:100%;border-collapse:collapse;font-size:15px;margin:12px 0}th,td{text-align:left;padding:10px;border-bottom:1px solid var(--line)}th{font-size:13px;color:var(--muted);text-transform:uppercase;letter-spacing:.05em}
.site-footer{background:var(--bg-2);border-top:1px solid var(--line);padding:48px 0 24px;font-size:14px}.foot-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:28px}.foot-grid h4{margin:0 0 10px;font-size:13px;text-transform:uppercase;letter-spacing:.08em;color:var(--muted)}.foot-grid a:not(.brand){display:block;color:var(--ink-2);padding:3px 0}
@media(max-width:820px){.foot-grid{grid-template-columns:1fr 1fr}}.legal{margin-top:28px;padding-top:18px;border-top:1px solid var(--line);font-size:12px}
@media(prefers-reduced-motion:reduce){*{transition:none!important}}
.signup{display:grid;grid-template-columns:1fr 1fr;gap:28px;align-items:start;padding:32px}.signup h2{margin:.3em 0}.signup-form{display:grid;gap:12px}
.signup-form .check{display:flex;gap:8px;align-items:flex-start;font-size:14px;color:var(--ink-2)}.signup-form .check input{margin-top:3px}
.hp{position:absolute!important;left:-10000px;width:1px;height:1px;overflow:hidden}.form-msg{margin:0;min-height:1.2em}.form-msg.ok{color:var(--ok)}.form-msg.err{color:#d92d20}
@media(max-width:760px){.signup{grid-template-columns:1fr;padding:22px}}
.dl-box{margin:14px 0 6px;display:grid;gap:10px}.dl-btn{white-space:normal;text-align:left;line-height:1.35}.dl-form{display:grid;gap:10px}.dl-form .check{display:flex;gap:8px;font-size:13px}
.field .hint{display:block;font-weight:400;font-size:13px;line-height:1.45;color:var(--ink-2);margin-top:2px}
.explain{grid-column:1/-1;border:1px solid var(--line);border-radius:12px;background:var(--bg-2);padding:0}
.explain summary{cursor:pointer;padding:12px 14px;font-weight:600;color:var(--brand);list-style-position:inside;min-height:44px;box-sizing:border-box}
.explain-body{padding:0 14px 12px;font-size:14px;line-height:1.55;color:var(--ink-2)}.explain-body ul{padding-left:18px;margin:6px 0}
.explain-body h3{font-size:15px;margin:12px 0 6px;color:var(--ink)}.explain-body dt{font-weight:600;color:var(--ink);margin-top:8px}.explain-body dd{margin:2px 0 0}