:root{--ink:#14202b;--muted:#5b6b78;--line:#e3e8ec;--bg:#fbfaf7;--card:#fff;--teal:#0e7c86;--teal-d:#0a5c64;--sun:#f2a33a;--coral:#d84a22;--navy:#10283a}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:84px}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}
body{margin:0;font:17px/1.7 system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;color:var(--ink);background:var(--bg)}
a{color:var(--teal-d)}img{max-width:100%;height:auto}
.wrap{max-width:1160px;margin:0 auto;padding:0 22px}.wrap.narrow{max-width:820px}
h1,h2,h3{font-family:Georgia,"Times New Roman",serif;line-height:1.22;margin:0;color:var(--navy)}
.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px 12px;z-index:99}
:focus-visible{outline:3px solid var(--sun);outline-offset:2px}
header.site{position:sticky;top:0;z-index:30;background:rgba(251,250,247,.96);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
header .wrap{display:flex;align-items:center;gap:22px;height:66px;position:relative}
.logo{display:flex;align-items:center;gap:10px;font:700 21px Georgia,serif;color:var(--navy);text-decoration:none}
.logo i{width:34px;height:34px;border-radius:50%;background:conic-gradient(from 200deg,var(--teal),var(--sun),var(--coral),var(--teal));display:grid;place-items:center;font-style:normal;color:#fff;font-size:15px}
nav.main{display:flex;gap:2px;margin-left:auto;align-items:center}
nav.main>a,.ddt{padding:8px 13px;border-radius:8px;font-weight:600;font-size:15px;color:#33444f;text-decoration:none}
nav.main a:hover,.ddt:hover{background:#eef3f4}
.dd{position:relative}.ddm{display:none;position:absolute;top:100%;left:0;background:#fff;border:1px solid var(--line);border-radius:10px;box-shadow:0 10px 26px rgba(16,40,58,.12);min-width:170px;padding:6px}
.dd:hover .ddm,.dd:focus-within .ddm{display:block}.ddm a{display:block;padding:8px 12px;border-radius:6px;color:#33444f;text-decoration:none;font-size:15px}.ddm a:hover{background:#eef3f4}
.hs{display:flex}.hs input{border:1px solid var(--line);border-radius:999px 0 0 999px;padding:7px 14px;font-size:14px;width:150px;background:#fff}
.hs button{border:1px solid var(--teal);background:var(--teal);color:#fff;border-radius:0 999px 999px 0;padding:0 12px;cursor:pointer;font-size:16px}
.menu{display:none;margin-left:auto;background:none;border:0;font-size:26px;cursor:pointer;color:var(--navy)}
.btn{display:inline-block;background:var(--coral);color:#fff;font-weight:700;padding:11px 22px;border-radius:999px;border:2px solid var(--coral);cursor:pointer;font-size:15px;text-decoration:none;transition:transform .15s,background .15s}
.btn:hover{background:#b93a16;border-color:#b93a16;transform:translateY(-1px)}.btn.ghost{background:transparent;color:var(--teal-d);border-color:var(--teal)}.btn.ghost:hover{background:var(--teal);color:#fff}
.btn.sm{padding:8px 16px;font-size:14px}
/* hero */
.hero{position:relative;overflow:hidden;background:linear-gradient(180deg,#fcd9a0 0%,#f7b977 30%,#e98e63 58%,#7d6a8c 100%);color:#fff}
.hero svg.art{position:absolute;inset:auto 0 0 0;width:100%;height:62%}
.hero .wrap{position:relative;padding-top:70px;padding-bottom:200px}
.hero h1{font-size:clamp(34px,5.2vw,58px);max-width:760px;color:#fff;text-shadow:0 2px 18px rgba(60,20,20,.4)}
.hero .lead{font-size:19px;max-width:620px;margin:16px 0 26px;text-shadow:0 1px 10px rgba(60,20,20,.4)}
.hsearch{display:flex;max-width:640px;background:#fff;border-radius:999px;padding:6px;box-shadow:0 14px 40px rgba(30,20,40,.3)}
.hsearch input{flex:1;border:0;background:none;padding:12px 20px;font-size:17px;outline:none;color:var(--ink);min-width:0}
.chips{display:flex;flex-wrap:wrap;gap:8px;margin-top:18px}
.chip{background:rgba(255,255,255,.22);border:1px solid rgba(255,255,255,.6);color:#fff;border-radius:999px;padding:7px 15px;font-size:14px;font-weight:600;text-decoration:none}
.chip:hover{background:rgba(255,255,255,.4)}
.stats{position:relative;margin-top:-76px;z-index:3}
.stats .box{background:#fff;border-radius:16px;box-shadow:0 12px 36px rgba(16,40,58,.14);display:grid;grid-template-columns:repeat(4,1fr);text-align:center;padding:22px 10px}
.stats b{display:block;font:700 30px Georgia,serif;color:var(--teal-d)}.stats span{color:var(--muted);font-size:14px}
.sect{padding:64px 0}
.eyebrow{color:var(--coral);font-weight:800;letter-spacing:1.4px;text-transform:uppercase;font-size:12.5px}
h2.title{font-size:clamp(27px,3.4vw,38px);margin:6px 0 10px}
.sub{color:var(--muted);max-width:660px;margin:0 0 26px}
.pagetitle{font-size:clamp(30px,4vw,42px);margin:10px 0 8px}
h2.sec{font-size:24px;margin:8px 0 18px;padding-left:12px;border-left:5px solid var(--sun)}
.tools{display:flex;flex-wrap:wrap;gap:10px;align-items:center;margin-bottom:22px}
.tabs{display:flex;gap:6px;flex-wrap:wrap}
.tab{border:1px solid var(--line);background:#fff;border-radius:999px;padding:8px 16px;font-weight:600;cursor:pointer;font-size:14.5px;color:var(--ink)}
.tab[aria-pressed=true]{background:var(--navy);color:#fff;border-color:var(--navy)}
.tools input,.tools select{border:1px solid var(--line);border-radius:999px;padding:9px 16px;font-size:15px;background:#fff}
.tools input{margin-left:auto;min-width:230px}
.states{display:grid;grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:16px}
.st{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:16px;display:flex;gap:14px;text-decoration:none;color:inherit;transition:transform .18s,box-shadow .18s}
a.st:hover{transform:translateY(-3px);box-shadow:0 10px 26px rgba(16,40,58,.12)}
.st.soon{opacity:.72;background:#f5f6f7}
.ab{flex:none;width:54px;height:54px;border-radius:12px;display:grid;place-items:center;color:#fff;font:700 19px Georgia,serif}
.st h3{font-size:18px}.st p{margin:3px 0 6px;color:var(--muted);font-size:14px;line-height:1.45}
.tgs{display:flex;gap:5px;flex-wrap:wrap}.tgs em{font-style:normal;font-size:11.5px;background:#eef3f4;color:#35505a;border-radius:6px;padding:1px 7px}
.note{font-size:12px;color:var(--muted);font-weight:700;margin-top:5px}.note.ok{color:var(--teal-d)}
.R-Northeast{background:#3b6ea8}.R-South{background:#c25a2c}.R-Midwest{background:#3f8450}.R-West{background:#0e7c86}
.none{color:var(--muted);padding:26px 0}
.picker{background:var(--navy);color:#fff}.picker h2.title{color:#fff}.picker .sub{color:#b8c9d6}
.pk{display:grid;grid-template-columns:340px 1fr;gap:34px;align-items:start}
.panel{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.15);border-radius:16px;padding:22px}
.panel h3{font:700 14px system-ui;letter-spacing:.8px;text-transform:uppercase;color:#9fc2d0;margin:0 0 10px}
.opts{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:20px}
.opt{border:1px solid rgba(255,255,255,.4);background:none;color:#fff;border-radius:999px;padding:7px 14px;cursor:pointer;font-size:14.5px}
.opt[aria-pressed=true]{background:var(--sun);color:#1c1405;border-color:var(--sun);font-weight:700}
.res{display:grid;grid-template-columns:repeat(auto-fill,minmax(210px,1fr));gap:14px}
.rc{background:#fff;color:var(--ink);border-radius:14px;padding:16px;display:block;text-decoration:none;transition:transform .15s}
.rc:hover{transform:translateY(-3px)}.rc .ab{margin-bottom:10px}.rc h3{font-size:18px}.rc p{margin:4px 0 8px;font-size:13.5px;color:var(--muted);line-height:1.45}
.match{font-size:12px;font-weight:800;color:var(--teal-d)}.res .hint{color:#b8c9d6;grid-column:1/-1}
/* cards */
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.grid.g2{grid-template-columns:repeat(2,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:12px;overflow:hidden;display:flex;flex-direction:column;transition:transform .18s,box-shadow .18s}
.card:hover{transform:translateY(-3px);box-shadow:0 10px 26px rgba(16,40,58,.12)}
.thumb{display:block;aspect-ratio:16/9;background:linear-gradient(135deg,var(--navy),#27508a);overflow:hidden}
.thumb img{width:100%;height:100%;object-fit:cover;display:block}.thumb .ph{display:grid;place-items:center;height:100%;color:var(--sun);font:700 30px Georgia,serif;opacity:.7}
.card .body{padding:14px 18px 18px}.cat{color:var(--coral);font-size:12px;font-weight:800;text-transform:uppercase;letter-spacing:.8px}
.card h3{font-size:19px;margin:5px 0}.card h3 a{color:var(--navy);text-decoration:none}.card h3 a:hover{color:var(--coral)}
.card p{margin:8px 0 0;color:#3b4558;font-size:15px;line-height:1.55}
.alist{list-style:none;padding:0;margin:0}.alist li{padding:12px 0;border-bottom:1px solid var(--line)}.alist a{font-weight:700;font-size:18px;text-decoration:none}.alist small{display:block;color:var(--muted)}
.pager{display:flex;justify-content:center;gap:22px;align-items:center;margin:36px 0;color:var(--muted)}.pager a{background:var(--navy);color:#fff;padding:9px 18px;border-radius:999px;font-weight:600;text-decoration:none}
.ess{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:18px}
.e{background:#fff;border:1px solid var(--line);border-radius:14px;padding:22px}.e .ic{font-size:28px}.e h3{font-size:19px;margin:8px 0 6px}.e p{margin:0 0 10px;color:var(--muted);font-size:15px}.e a{font-weight:700}
.cta{background:linear-gradient(120deg,var(--teal),#14a3a8);color:#fff;border-radius:20px;padding:34px 40px;display:flex;gap:26px;align-items:center;justify-content:space-between;flex-wrap:wrap}
.cta h2{color:#fff;font-size:28px}.cta .btn{background:#fff;color:var(--teal-d);border-color:#fff}.disc{font-size:13px;color:var(--muted);margin-top:12px}
/* article */
.crumbs{padding:18px 0 0;font-size:14px}.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:4px;margin:0;padding:0;color:var(--muted)}
.crumbs li+li::before{content:"›";margin-right:6px}.crumbs a{color:var(--muted)}
.layout{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:36px;padding:14px 0 30px;align-items:start}
.post{background:#fff;border:1px solid var(--line);border-radius:14px;padding:34px 40px}.post.single{margin:20px 0 50px}
.ph-head .kicker{color:var(--coral);font-weight:800;font-size:13px;text-transform:uppercase;letter-spacing:1px;text-decoration:none}
.post h1{font-size:clamp(28px,3.6vw,40px);margin:8px 0 10px}.post .lead{font-size:19px;color:#34495a;margin:0 0 8px}
.byline{color:var(--muted);font-size:14px;margin:6px 0 0}.byline a{color:var(--muted)}
.hero-img,.post img.hero{width:100%;height:auto;border-radius:10px;margin:22px 0 8px;aspect-ratio:16/9;object-fit:cover}
.prose{font-size:18px}.prose h2{font-size:28px;margin:1.8em 0 .5em;scroll-margin-top:84px}.prose h3{font-size:22px;margin:1.5em 0 .4em}.prose h4{font-size:18px;margin:1.3em 0 .3em}
.prose p{margin:1em 0}.prose img{border-radius:8px;margin:1em 0;display:block}.prose ul,.prose ol{padding-left:1.3em}.prose li{margin:.35em 0}
.prose table{border-collapse:collapse;width:100%;font-size:16px;display:block;overflow-x:auto}.prose td,.prose th{border:1px solid var(--line);padding:8px 10px}
.prose blockquote{border-left:4px solid var(--sun);margin:1.2em 0;padding:.2em 1.2em;background:#fdf7ea}
.prose iframe{width:100%;aspect-ratio:16/9;height:auto;border:0;border-radius:8px}
.prose details{background:#f7f9fa;border:1px solid var(--line);border-radius:10px;padding:14px 18px;margin:10px 0}
.prose summary{font-weight:700;cursor:pointer}.prose details p{margin:.6em 0 0;color:#34495a}
.archived{background:#fff4e0;border:1px solid #f0cf94;border-radius:10px;padding:12px 16px;margin:18px 0;font-size:15px}
.disclaimer{font-size:14px;color:var(--muted);border-top:1px solid var(--line);margin-top:30px;padding-top:16px}
.more-link{margin-top:24px}.cluster{margin-top:44px}.cluster h2{font-size:26px;margin-bottom:16px}
.side{display:flex;flex-direction:column;gap:20px;position:sticky;top:84px}
.facts,.toc{background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px 20px}
.facts h2,.toc h2{font:700 16px system-ui;text-transform:uppercase;letter-spacing:.7px;color:var(--teal-d);margin-bottom:10px}
.facts dl{margin:0;display:grid;grid-template-columns:auto 1fr;gap:6px 14px;font-size:15px}.facts dt{color:var(--muted)}.facts dd{margin:0;font-weight:600}
.facts .tg{display:inline-block;font-size:12px;background:#eef3f4;border-radius:6px;padding:0 7px;margin:0 4px 4px 0;font-weight:600}.facts-note{font-size:12px;color:var(--muted);margin:10px 0 0}
.toc ol{margin:0;padding-left:1.1em;font-size:14.5px}.toc li{margin:.35em 0}.toc a{text-decoration:none;color:#33444f}.toc a:hover{color:var(--coral)}
.related{padding:20px 0 50px}
/* plan box (affiliate) */
.plan{background:linear-gradient(135deg,#eef8f8,#fdf5e6);border:1px solid #cfe5e6;border-radius:14px;padding:22px 24px;margin:2em 0}
.plan-h{font-size:24px!important;margin:0 0 4px!important}.plan-d{font-size:13.5px!important;color:var(--muted);margin:0 0 14px!important}
.plan-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:12px}
.plan-i{display:flex;gap:12px;background:#fff;border:1px solid var(--line);border-radius:12px;padding:14px;text-decoration:none;color:var(--ink);transition:transform .15s,box-shadow .15s}
.plan-i:hover{transform:translateY(-2px);box-shadow:0 8px 20px rgba(16,40,58,.12)}.plan-i .ic{font-size:26px}
.plan-i b{display:block;font-size:16px}.plan-i small{display:block;color:var(--muted);font-size:13px;line-height:1.4;margin:2px 0 4px}.plan-i em{font-style:normal;font-size:12px;font-weight:700;color:var(--teal-d)}
/* ads */
.ad-slot{margin:1.8em 0;text-align:center;min-height:120px;background:#f6f7f8;border:1px dashed #e0e4e8;border-radius:8px;padding:6px;clear:both}
.ad-label{display:block;font-size:10.5px;letter-spacing:1px;text-transform:uppercase;color:#98a3ad;margin-bottom:4px}
.ad-slot.sticky{min-height:250px;margin:0}
/* forms */
.bigsearch{display:flex;gap:10px;max-width:620px;margin:10px 0 24px}.bigsearch input{flex:1;padding:12px 18px;border:1px solid var(--line);border-radius:999px;font-size:17px}
.cform label{display:block;font-weight:600;margin:12px 0}.cform input,.cform textarea{display:block;width:100%;padding:10px 14px;border:1px solid #cfd6e2;border-radius:8px;font:inherit;margin-top:4px}
code{background:#eef3f4;padding:1px 6px;border-radius:4px;font-size:.9em}
footer{background:var(--navy);color:#b8c9d6;padding:44px 0 26px;font-size:14.5px;margin-top:20px}
footer .cols{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:30px}footer h4{color:#fff;margin:0 0 10px;font-size:16px}
footer a{display:block;padding:3px 0;color:#b8c9d6;text-decoration:none}footer a:hover{color:#fff}footer a.inline{display:inline;text-decoration:underline;color:#fff}
.linkbtn{background:none;border:0;color:#b8c9d6;padding:3px 0;font:inherit;cursor:pointer;text-align:left}.linkbtn:hover{color:#fff}
footer .fine{border-top:1px solid rgba(255,255,255,.15);margin-top:26px;padding-top:18px;font-size:13px;max-width:900px}
.consent{position:fixed;left:16px;right:16px;bottom:16px;z-index:60;max-width:760px;margin:0 auto;background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:0 14px 44px rgba(16,40,58,.28);padding:16px 20px;display:flex;gap:16px;align-items:center;flex-wrap:wrap}
.consent[hidden]{display:none}.consent p{margin:0;flex:1 1 320px;font-size:14px;line-height:1.5}
@media(max-width:980px){.grid{grid-template-columns:repeat(2,1fr)}.layout{grid-template-columns:1fr}.side{position:static}.pk{grid-template-columns:1fr}footer .cols{grid-template-columns:1fr 1fr}.stats .box{grid-template-columns:repeat(2,1fr);gap:14px}}
@media(max-width:860px){nav.main{display:none;position:absolute;top:66px;left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;padding:12px;border-bottom:1px solid var(--line)}nav.main.open{display:flex}.menu{display:block}.hs{display:none}.ddm{position:static;display:block;border:0;box-shadow:none;padding:0 0 0 12px}.ddt{display:none}.tools input{margin-left:0;width:100%}}
@media(max-width:620px){.grid,.grid.g2{grid-template-columns:1fr}.post{padding:22px 18px}.prose{font-size:17px}}
.prose,.post{overflow-wrap:anywhere}.prose a{word-break:break-word}