:root{--blue:#2563eb;--blue-d:#1e40af;--navy:#0b1f4b;--teal:#0d9488;--teal-l:#ccfbf1;
--bg:#f6f8fc;--card:#ffffff;--text:#20304a;--dim:#5b6b84;--line:#e3e9f2;
--grad:linear-gradient(135deg,#0b1f4b 0%,#1e40af 55%,#0d9488 130%)}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Avenir Next','Segoe UI',system-ui,-apple-system,'Helvetica Neue',Arial,sans-serif;color:var(--text);background:#fff;line-height:1.75;font-size:17.5px;-webkit-font-smoothing:antialiased}
header{position:sticky;top:0;background:rgba(255,255,255,.92);backdrop-filter:blur(10px);z-index:50;border-bottom:1px solid var(--line)}
.wrap{max-width:840px;margin:0 auto;padding:0 22px}
.nav{display:flex;align-items:center;gap:20px;padding:15px 22px;max-width:1120px;margin:0 auto;flex-wrap:wrap}
.logo{font-weight:800;color:var(--navy);text-decoration:none;font-size:19px;letter-spacing:-.3px}
.logo span{color:var(--teal)}
.nav a{color:var(--text);text-decoration:none;font-size:14.5px;font-weight:500;padding:4px 2px;border-bottom:2px solid transparent}
.nav a:hover{color:var(--blue);border-bottom-color:var(--blue)}
.nav .cta{background:var(--grad);color:#fff;padding:9px 20px;border-radius:99px;font-weight:700;margin-left:auto;border:none;box-shadow:0 2px 10px rgba(37,99,235,.35)}
.nav .cta:hover{transform:translateY(-1px);box-shadow:0 4px 14px rgba(37,99,235,.45);border-bottom-color:transparent}
main{padding:44px 0 72px}
h1{font-size:clamp(30px,5vw,40px);line-height:1.18;color:var(--navy);margin-bottom:14px;letter-spacing:-.8px;font-weight:800}
h2{font-size:25px;color:var(--navy);margin:42px 0 14px;letter-spacing:-.4px;font-weight:750;padding-top:6px}
h2::before{content:"";display:block;width:44px;height:4px;background:var(--grad);border-radius:2px;margin-bottom:10px}
h3{font-size:19px;color:var(--navy);margin:26px 0 8px;font-weight:700}
p{margin:0 0 17px}
ul,ol{margin:0 0 17px 24px}
li{margin-bottom:8px}
a{color:var(--blue);text-decoration-thickness:1px;text-underline-offset:3px}
a:hover{color:var(--blue-d)}
.reviewed{display:flex;gap:14px;align-items:center;background:linear-gradient(90deg,#f0fdfa,#eff6ff);border:1px solid #bae6dc;border-radius:14px;padding:14px 18px;margin:20px 0 30px;font-size:14px;color:var(--dim)}
.reviewed b{color:var(--text)}
.badge{background:var(--teal);color:#fff;padding:4px 12px;border-radius:99px;font-size:12px;font-weight:800;white-space:nowrap;letter-spacing:.3px;box-shadow:0 2px 6px rgba(13,148,136,.3)}
.keybox{background:linear-gradient(180deg,#eff6ff,#f8fafc);border:1px solid #d6e4ff;border-left:5px solid var(--blue);border-radius:14px;padding:22px 26px;margin:26px 0;box-shadow:0 4px 18px rgba(11,31,75,.05)}
.keybox h3{margin-top:0;color:var(--blue-d)}
table{border-collapse:separate;border-spacing:0;width:100%;margin:22px 0;font-size:15px;border:1px solid var(--line);border-radius:12px;overflow:hidden;box-shadow:0 3px 14px rgba(11,31,75,.05)}
th{background:var(--navy);color:#fff;text-align:left;padding:12px 14px;font-weight:700}
td{border-bottom:1px solid var(--line);padding:12px 14px;vertical-align:top;background:#fff}
tr:last-child td{border-bottom:none}
tr:nth-child(even) td{background:#fafcff}
.statepick{background:var(--card);border:1px solid var(--line);border-top:5px solid;border-image:linear-gradient(90deg,#1e40af,#0d9488) 1;border-radius:16px;padding:32px 28px;margin:34px 0;text-align:center;box-shadow:0 8px 30px rgba(11,31,75,.09)}
.statepick h3{margin-top:0;font-size:23px;letter-spacing:-.3px}
.statepick select{font-size:16px;padding:12px 16px;border-radius:10px;border:1.5px solid var(--line);margin:14px 0;min-width:270px;background:#fff;font-family:inherit;color:var(--text)}
.statepick select:focus{outline:none;border-color:var(--blue)}
.statepick .result{margin-top:16px;display:none}
.btn{display:inline-block;background:var(--grad);color:#fff;text-decoration:none;padding:14px 30px;border-radius:99px;font-weight:750;font-size:16px;box-shadow:0 4px 16px rgba(37,99,235,.35);transition:transform .15s}
.btn:hover{transform:translateY(-2px);color:#fff}
.partner{display:block;border:1.5px solid var(--line);border-radius:12px;padding:14px 18px;margin:10px auto;max-width:440px;text-align:left;text-decoration:none;color:var(--text);background:#fff;transition:all .15s}
.partner:hover{border-color:var(--teal);box-shadow:0 4px 14px rgba(13,148,136,.15);transform:translateY(-1px)}
.partner b{color:var(--blue)}
.cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(235px,1fr));gap:14px;margin:22px 0}
.card{border:1px solid var(--line);border-radius:14px;padding:18px 20px;text-decoration:none;color:var(--text);background:var(--card);transition:all .15s;box-shadow:0 2px 10px rgba(11,31,75,.04)}
.card:hover{border-color:var(--blue);box-shadow:0 8px 22px rgba(37,99,235,.13);transform:translateY(-2px)}
.card b{color:var(--navy);display:block;margin-bottom:4px;font-size:16px}
.card span{font-size:13.5px;color:var(--dim);line-height:1.5;display:block}
.card .tag{display:inline-block;font-size:11px;font-weight:800;letter-spacing:.5px;text-transform:uppercase;color:var(--teal);margin-bottom:8px}
.hero{background:var(--grad);border-radius:20px;padding:46px 40px;color:#fff;margin-bottom:38px;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;right:-60px;top:-60px;width:280px;height:280px;border-radius:50%;background:rgba(255,255,255,.07)}
.hero::before{content:"";position:absolute;right:60px;bottom:-80px;width:200px;height:200px;border-radius:50%;background:rgba(255,255,255,.05)}
.hero h1{color:#fff;margin-bottom:10px}
.hero p{color:#dbeafe;font-size:19px;max-width:560px;position:relative;z-index:1}
.hero .btn{background:#fff;color:var(--blue-d);margin-top:10px;box-shadow:0 4px 18px rgba(0,0,0,.25)}
.hero .btn:hover{color:var(--navy)}
.disclaimer{background:var(--bg);border:1px solid var(--line);border-radius:12px;padding:16px 20px;font-size:13px;color:var(--dim);margin-top:46px}
footer{background:var(--navy);color:#c7d2e5;padding:44px 22px 30px;font-size:14.5px}
footer .wrap{display:flex;flex-wrap:wrap;gap:36px;justify-content:space-between;max-width:1120px}
footer a{color:#8fb3f7;text-decoration:none}
footer a:hover{text-decoration:underline}
.foot-note{margin-top:26px;font-size:12.5px;color:#7e91b5;max-width:1120px;border-top:1px solid rgba(255,255,255,.12);padding-top:18px}
.crumbs{font-size:13.5px;color:var(--dim);margin-bottom:16px}
.crumbs a{color:var(--dim)}
@media(max-width:640px){.nav{gap:12px}.nav .cta{margin-left:0}.hero{padding:32px 24px}main{padding:30px 0 50px}}